Cheap Auto Insurance Quotes in Ewa Beach, HI (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Aloha State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Car Insurance in Ewa Beach, HI

The average cost of Hawaii car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ewa Beach, HI to find you the cheapest quotes in the area.
ProgressiveAllstateState Farm

Cheapest Car Insurance in Ewa Beach, HI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

HawaiiHonoluluPearl CityHiloWaipahuEwa Beach
Click here to learn about car insurance quotes and save on your current policy.

Ewa Beach, HI Driving Facts


Minimum Car Insurance Requirements in HI

The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Hawaii are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Hawaii are:

  • $10,000 personal injury protection (PIP) per person per accident

Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.

Find local Ewa Beach agents

Marc Dixon: Allstate Insurance
91-902 Fort Weaver Rd Ste 205, Ewa Beach, HI 96706
Colin Alos - State Farm Insurance Agent
91-1123 Keaunui Dr Ste 227, Ewa Beach, HI 96706
Ricky Bonilla: Allstate Insurance
91-1121 Keaunui Dr Ste 208, Ewa Beach, HI 96706
Frelynn Kahalehili - State Farm Insurance Agent
91-902 Fort Weaver Rd p103, Ewa Beach, HI 96706
Gpm Life
91-649 Aikanaka Rd, Ewa Beach, HI 96706
The Annuity Marketing Group
91-277 Ewa Beach Rd, Ewa Beach, HI 96706
'The Annuit Producer''s Shop'
91-220 Makalea St, Ewa Beach, HI 96706

Insurify Insights: How Ewa Beach Drivers Measure Up

Toyota Tacoma
Most Popular Car in
Ewa Beach, HI
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ewa Beach drivers measure up to their fellow Hawaii motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Ewa Beach

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. Ewa Beach drivers rank 1 in the number of car accidents per driver across all cities in Hawaii.

  • Rank within state: #1
  • Percent of drivers in Ewa Beach with an accident: 9.84%
  • Drivers in Ewa Beach, HI with an accident in their driving history paid on average 80.81% more than drivers with a clean record

Speeding in Ewa Beach

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Hawaii, Ewa Beach drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Ewa Beach with a speeding ticket: 15.35%
  • Drivers in Ewa Beach, HI with a speeding ticket in their driving history paid on average 74.75% more than drivers with a clean record

DUI/DWIs in Ewa Beach

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ewa Beach drivers rank 2 in the number of DUI’s per driver across all cities in Hawaii.

  • Rank within state: #2
  • Percent of drivers in Ewa Beach with a DUI: 0.39%
  • Drivers in Ewa Beach, HI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Ewa Beach

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ewa Beach is the Toyota Tacoma.

Hybrid/Electric Vehicle Ownership in Ewa Beach

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ewa Beach drivers rank 1 in hybrid and electric vehicle ownership across all cities in Hawaii.

  • Rank within state: #1
  • Percent of drivers in Ewa Beach with a hybrid/electric vehicle: 4.64%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!