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Cheap Auto Insurance Quotes in Wai‘anae, HI (2023)

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Average Car Insurance Cost

Hawaii Cities
Pearl City$53/mo
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in Hawaii

All motor vehicles operated or parked on Hawaii roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Hawaii[1] are:

  • $20,000 per person for bodily injury

  • $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Wai‘anae agents

  • Rainbow Insurance Ltd

    86-183 Moelua St,
    Waianae, HI 96792

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FAQs - Wai‘anae, HI Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Insurify Insights

How Waianae Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Waianae, Hawaii below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Waianae drivers measure up to their fellow motorists across Hawaii in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Nissan Frontier

Most Popular Car in Waianae


City with the Most Speeding Tickets Rank in Hawaii


City with the Most Moving Violations Rank in Hawaii


City with the Most DUIs Rank in Hawaii


City with the Most Suspended Licenses in Hawaii

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Waianae drivers rank 10 in the number of car accidents per driver across all cities in Hawaii.

    • Rank within state: #10
    • Percent of drivers in Waianae with an accident: 4%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waianae drivers rank 7 in the number of DUI’s per driver across all cities in Hawaii.

    • Rank within state: #7
    • Percent of drivers in Waianae with a DUI: 1.4%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Hawaii, Waianae drivers rank 5 in the number of reckless driving offenses per driver.

    • Rank within state: #5
    • Percent of drivers in Waianae with a reckless driving offense: 1.4%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Hawaii, Waianae drivers rank 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Waianae with a reckless driving violation: 1.7%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Hawaii, Waianae drivers rank 9 in the number of speeding infractions per driver.

    • Rank within state: #9
    • Percent of drivers in Waianae with a speeding ticket: 9.2%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Waianae drivers rank 7 in clean driving records across all cities in Hawaii.

    • Rank within state: #7
    • Percent of drivers in Waianae with clean record: 80.8%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Waianae drivers rank 10 in hybrid and electric vehicle ownership across all cities in Hawaii.

    • Rank within state: #10
    • Percent of drivers in Waianae with a hybrid/electric vehicle: 0.93%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Department of Commerce and Consumer Affairs. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Tanveen Vohra
Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.