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Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.
According to Insure.com’s data analysis, the average cost of homeowners insurance in Hawaii is $593 a year.
Continue reading to learn more about homeowners insurance rates in Hawaii by ZIP code and insurer.
Key Takeaways
- Homeowners insurance costs an average of $593 a year, based on Insure.com analysis.
- Of all the ZIP codes in Hawaii, 96813 has the most affordable home insurance rates at around $590 annually.
- In Hawaii, Universal Insurance Co provides the most affordable home insurance at an average annual premium of $385.
Average home insurance cost in Hawaii by coverage level
The average cost of homeowners insurance in Hawaii is $593 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.
However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $771 per year for homeowners insurance in Hawaii for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Hawaii for dwelling coverage of $300,000, $400,000 and $500,000.
| Coverage | Average annual rate | Average monthly rate |
|---|---|---|
| $200,000 with $1,000 Deductible and $100,000 Liability and None Deductible | $441 | $37 |
| $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible | $461 | $38 |
| $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible | $593 | $49 |
| $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible | $613 | $51 |
| $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible | $771 | $64 |
| $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible | $791 | $66 |
| $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible | $1,134 | $95 |
| $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible | $1,154 | $96 |
| $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible | $1,811 | $151 |
| $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible | $1,831 | $153 |
Homeowners insurance companies in Hawaii decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.
If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.
According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.
Best homeowners insurance companies in Hawaii
Before purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.
We evaluated insurance companies in Hawaii based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.
| Company | Average annual premium | AM Best rating | NAIC Complaint Index | Overall score |
|---|---|---|---|---|
| State Farm | $395 | A++ | 0.95 | 5 |
| Dongbu Insurance | $464 | A | 0.68 | 4.77 |
| Corebridge Direct | $606 | A | 0.09 | 4.64 |
| Allstate | $516 | A+ | 0.9 | 4.63 |
| Universal Insurance Co | $385 | A- | 3.45 | 3.81 |
Average homeowners insurance cost by company in Hawaii
Universal Insurance Co provides the most affordable homeowners insurance in Hawaii, with an average annual premium of $385. State Farm and Dongbu Insurance also offer cheap home insurance rates.
Shopping around for homeowners insurance can help you save hundreds of dollars annually.
Here are the average annual and monthly insurance rates for homeowners in Hawaii with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Universal Insurance Co | $385 | $32 |
| State Farm | $395 | $33 |
| Dongbu Insurance | $464 | $39 |
| Allstate | $516 | $43 |
| Corebridge Direct | $606 | $51 |
| Island Insurance | $649 | $54 |
| Tokio Marine Holdings | $652 | $54 |
| RLI Insurance | $773 | $64 |
| Ocean Harbor | $898 | $75 |
Hawaii homeowners insurance rates by ZIP code
Insurance providers in Hawaii factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.
To get the best deal on homeowners insurance rates in Hawaii, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.
Most affordable ZIP codes for home insurance rates in Hawaii
Home insurance costs vary across different areas in Hawaii. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 96813 ZIP code has the lowest home insurance rates in Hawaii, at $590 annually or $49 per month.
Here are the homeowners insurance rates for some of the most affordable ZIP codes in Hawaii.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 96813 | $590 | $49 |
| 96701 | $593 | $49 |
| 96703 | $594 | $49 |
| 96763 | $596 | $50 |
Most expensive ZIP codes for home insurance rates in Hawaii
In Hawaii, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.
Homeowners in 96763 ZIP pay the highest insurance rates in Hawaii, with an average annual premium of $596.
Below is a list of some of the most expensive ZIP codes in Hawaii for homeowners insurance.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 96763 | $596 | $50 |
| 96796 | $594 | $49 |
| 96898 | $593 | $49 |
| 96859 | $590 | $49 |
Home insurance rate trend in Hawaii
We analyzed home insurance rate trends in Hawaii and found that homeowners insurance rates experienced an overall increase of 6% or $31, from 2022 to 2023.
The below data shows how much homeowners insurance rates have changed since 2019.
| 2019 rates | 2022 rates | 2023 rates |
|---|---|---|
| $477 | $562 | $593 |
To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Hawaii.
Resources & methodology
Source
S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.
Methodology
Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $100,000 liability protection
- $1000 deductible
We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.
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