Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Hawaii

Finding out which company has the lowest-priced auto insurance rates for drivers with a bad driving record requires more work in order to find a policy that fits your budget.

Every car insurance company has their own process for determining prices, so let’s look at the rankings for the most competitive auto insurance companies in Hawaii.

Best Insurance Companies for Imperfect Drivers

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USAA generally has some of the lowest car insurance rates in Hawaii at around $926 per year. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the cheaper Hawaii insurance companies.

As illustrated above, if you buy coverage from Liberty Mutual and switched to State Farm, you could realize annual savings of around $334. Customers with Progressive might save as much as $521 a year, and Allstate insureds might see rate reductions of $819 a year.

Remember that these estimates are averages across all ages of drivers and types of vehicles and and are not figured with a price increase for drivers with a bad driving record. So the auto insurance company that fits your age and vehicle best may not even be shown in the above list. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The model of vehicle you are seeking coverage for is probably the biggest factor that determines if you can find cheap insurance for drivers with a bad driving record. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost much less to insure than higher performance models. The data below outlines auto insurance prices for the cheapest automobiles to buy coverage for.

Table data represents married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Estimates do not factor in zip code location which can alter coverage rates considerably.

Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific location which can impact insurance rates greatly.

Data variables include married male driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific zip code location which can lower or raise auto insurance rates significantly.

One of the key components used to calculate the price of your policy is your address. Densely populated urban areas like Hilo, Waianae, and Pearl City tend to have higher auto insurance costs, whereas areas with less congestion generally benefit from lower auto insurance rates.

The information below shows the most costly cities in Hawaii for drivers with a bad driving record to purchase auto insurance in.

Premium amounts are approximated as specific Hawaii garaging address can affect premium rates greatly.

Picking the highest-rated car insurance company is difficult considering how many different insurance companies sell coverage in Hawaii. The company rank data displayed below can help you pick which providers to look at putting your business with.

These ratings are only made up of large nationwide companies, so companies that only write business in Hawaii or surrounding areas are not included in this list. To view rates from these and other companies in Hawaii, simply click here.

Top 10 Large Auto Insurers Overall in Hawaii

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. Progressive
8. Allstate
9. Nationwide
10. Liberty Mutual

Top 10 Large Auto Insurers in Hawaii Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. State Farm
5. AAA Insurance
6. Nationwide
7. Safeco
8. Esurance
9. Allstate
10. Liberty Mutual

The chart below illustrates how your deductible choice can affect insurance premiums when researching cheap insurance for drivers with a bad driving record. The data is based on a single female driver, full coverage, and no discounts are applied to the premium.

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As shown above, a 50-year-old driver could pocket $284 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $428 by using a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could possibly save $730 or even more just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of savings on hand to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Cheapest car insurance: Geico, State Farm, Allstate, or Progressive

When comparing car insurance for bad drivers in Hawaii, four companies to take a look at are Geico, State Farm, Allstate, and Progressive. When combined, they have over 48% of all auto insurance written. They all offer unique features and discounts that buyers can select from. The table below points out pricing and service ratings, plus some optional coverages that you can purchase from each one.