Average homeowners insurance cost in Hawaii

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of home insurance in Hawaii is $642 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Universal Insurance Co stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $642 a year, based on our data.
Of all the ZIP codes in Hawaii, 96813 has the most affordable home insurance rates at around $638 annually.
In Hawaii, Universal Insurance Co provides the most affordable home insurance at an average annual premium of $385.

What is the average cost of homeowners insurance in Hawaii?

Homeowners in Hawaii pay an average of $642 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Hawaii? Cost by coverage level

On average, homeowners in Hawaii pay $642 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $828 in Hawaii.

The table below shows average homeowners insurance costs in Hawaii for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$483	$40
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$500	$42
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$642	$54
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$659	$55
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$828	$69
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$844	$70
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,232	$103
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,249	$104
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$2,163	$180
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$2,181	$182

Average home insurance cost in Hawaii by insurer

The most affordable homeowners insurance in Hawaii comes from Universal Insurance Co, which averages $385 per year. State Farm and Dongbu Insurance are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Hawaii homeowners, based on a policy with $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	$500	$42
Dongbu Insurance	$504	$42
AIG	$606	$51
Allstate	$704	$59
RLI Insurance	$773	$64
Island Insurance	$797	$66
Tokio Marine Holdings	$867	$72

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Hawaii.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How have home insurance rates changed in Hawaii?

Home insurance rates in Hawaii increase by 8% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$562	$593	$642

What are the best homeowners insurance companies in Hawaii?

Based on our data, RLI Insurance stands out as the top choice in Hawaii. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Hawaii by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
RLI Insurance	$773	A+	0	4.85
Dongbu Insurance	$504	A+	1.08	4.83
State Farm	$500	A+	1.15	4.83
Tokio Marine Holdings	$867	A+	0.56	4.81
Allstate	$704	A+	1.26	4.79
AIG	$606	A	0.14	4.76
Universal Insurance Co	$385	A	1.05	4.75
Island Insurance	$797	A	0.64	4.71

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.