Average homeowners insurance cost in Hawaii

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Home insurance in Hawaii costs an average of $593 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Universal Insurance Co offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $593 a year, based on our data.
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.

What is the average cost of homeowners insurance in Hawaii?

The average homeowners insurance premium in Hawaii is $593 per year. That figure is based on 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

Homeowners insurance in Hawaii costs $593 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and 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 a $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

Average home insurance cost in Hawaii by insurer

Universal Insurance Co offers the most affordable homeowners insurance in Hawaii, at an average annual premium of $385, followed by State Farm and Dongbu Insurance.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Hawaii homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with 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
AIG	$606	$51
Island Insurance	$649	$54
Tokio Marine Holdings	$652	$54
RLI Insurance	$773	$64
Ocean Harbor	$898	$75

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Hawaii.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Hawaii?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Hawaii

Most affordable ZIP codes for home insurance in Hawaii

The lowest rates in Hawaii are found in 96813, where homeowners pay an average of $590 per year.

Where you live in Hawaii has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average 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

96763 has the highest rates in Hawaii at an average of $596 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Hawaii for home insurance:

ZIP code	Average annual rate	Average monthly rate
96763	$596	$50
96796	$594	$49
96898	$593	$49
96859	$590	$49

What are the best homeowners insurance companies in Hawaii?

Based on our data, State Farm 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
State Farm	$395	A++	0.95	5
Dongbu Insurance	$464	A	0.68	4.77
AIG	$606	A	0.09	4.64
Allstate	$516	A+	0.9	4.63
Universal Insurance Co	$385	A-	3.45	3.81

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and methodology

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.