Who Has Cheap Auto Insurance for Drivers with a DUI in Hawaii?

The type of vehicle on the policy is probably the biggest factor when quoting cheap car insurance for drivers with a DUI in Hawaii. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost less to insure than higher performance models.

The list below presents auto insurance rates for some of the cheapest vehicles to insure in Hawaii.

Data variables include married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific Hawaii garaging location which can affect rates noticeably.

By looking at the data, you can see that cars like the Honda CR-V, Ford Explorer, Ford Escape, and Ford F-150 are going to be a few of the most budget-friendly vehicles to insure after getting a DUI. Rates will tend to be more expensive just because there is more risk for drivers with a DUI, but generally speaking those particular models will probably have the cheapest car insurance rates compared to all other vehicles.

Buying low-cost auto insurance is not the easiest thing to accomplish, and figuring out which company offers the lowest-priced car insurance rates for drivers with a DUI will require additional perseverance. Insurance prices will more than likely be quite a bit higher than the average policy in Hawaii due to the potential for more claims associated with selling coverage after getting a DUI, but competitive coverage should be available if you carefully shop around. Each company uses a different method for setting prices, so we’ll take a look at the car insurance companies with the overall best prices in Hawaii.

It’s important to know that Hawaii car insurance rates are impacted by many factors which can substantially change the price you pay. This price variability is why it is so important to compare lots of rates when trying to get cheap car insurance quotes for drivers with a DUI. Prices can be altered by many factors and change frequently, so the most affordable company two years ago may now be costing you a lot of money.

Find Cheaper Car Insurance after a DUI

Compare Rates Today

USAA may offer some of the most affordable car insurance rates in Hawaii at around $926 annually. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the cheaper Hawaii insurance companies.

As shown in the rates above, if you currently have a policy with Progressive and switched to State Farm, you might realize a yearly price reduction of in the vicinity of $537. Drivers with First of Hawaii could save as much as $860 a year, and Allstate insureds might reduce prices by as much as $877 a year.

Be aware that those prices are averages across all drivers and vehicles in Hawaii and and are not calculated with a price increase for drivers with a DUI. So the car insurance company that can offer you the lowest price may not even be shown in the company chart above. That’s why you need to get rate quotes using your own driver information and specific vehicle type.

Careless driving habits raise Hawaii car insurance rates

The easiest method to receive good car insurance rates after getting a DUI is to be a careful driver and not get tickets or have accidents. The illustration below demonstrates how speeding tickets and accident claims can influence insurance premiums for each different age category. The premium estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1229,1579,1935],[‘Age 30’, 851,1201,1555],[‘Age 40’, 845,1199,1553],[‘Age 50’, 751,1099,1457],[‘Age 60’, 713,1063,1419],[‘Age 70’, 771,1123,1477]]);var options = {title: ‘Violations, Accidents, and Hawaii Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Hawaii’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of a car insurance policy in Hawaii per year with a clean driving record and no accidents is $860. Get two speeding tickets and the average cost increases to $1,211, an increase of $351 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with a DUI goes up to an average of $1,566. That’s an increase of $706, or $59 per month, just for not driving attentively!

Types of discounts on Hawaii insurance

Insurers that sell cheap car insurance for drivers with a DUI in Hawaii may additionally offer discounts that can lower rates by as much as 25% or more if you qualify for them. Larger car insurance companies and the discounts they provide are detailed below.

The diagram below illustrates the comparison of insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no at-fault accidents and two violations, Hawaii state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, homeowner, anti-theft, paperless filing, vehicle safety, and multiple policy discounts applied. With discounts applied, the the average yearly reduction on car insurance for drivers with a DUI is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4249,3061],[‘Age 30’, 2515,1827],[‘Age 40’, 2507,1817],[‘Age 50’, 2341,1697],[‘Age 60’, 2283,1655],[‘Age 70’, 2625,1891]]);var options = {title: ‘Insurance Premium Comparison for Drivers with a DUI’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find the cheapest auto insurance for drivers with a DUI

The list below details some of the recommended penny-pinching solutions that can help Hawaii drivers get cheaper coverage.

• Tickets and violations raise rates
• The safer your car, the less it costs to insure
• Remain accident-free and save
• Higher credit scores may earn you cheaper rates
• Earn a discount by not filing claims
• Compare price quotes at least once a year

The last item on the list is remarkably crucial, as we noted in this article. Prices can change considerably based on profitability, so don’t be unwilling to switch companies if a better rate can be found.

Being loyal to a particular company is commendable, but it’s not a great idea if that stubbornness costs you money that could be going to better use. Spend a few minutes and compare rates to find cheaper car insurance for drivers with a DUI.