insure logo

Why you can trust

quality icon

Quality Verified

At, 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.

Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.

On average, Hawaii homeowners insurance costs $562 a year, based on’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Hawaii.

Key Takeaways

  • Homeowners insurance costs an average of $562 a year, based on analysis.
  • Amongst all the ZIP codes in Hawaii, 96813 has the most affordable home insurance rates, around $559 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 $562 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.

However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $729 per year for homeowners insurance in Hawaii for $100,000 in liability protection and $1000 deductible.

Find below the average cost of homeowners insurance in Hawaii for dwelling coverage of $300,000, $400,000 and $500,000

CoverageAverage annual rateAverage monthly rate
$3,00,000 with $1,000 Deductible and $1,00,000 Liability$562$47
$4,00,000 with $1,000 Deductible and $1,00,000 Liability$729$61
$5,00,000 with $1,000 Deductible and $1,00,000 Liability$898$75

Homeowners insurance companies in Hawaii decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate 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.

Best homeowners insurance companies in Hawaii

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Hawaii using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Hawaii. Based on the analysis, State Farm received the highest J.D. power score of 829 and A++ rating from AM Best.

CompanyA.M. Best ratingJ.D. Power ratingOverall score
State FarmA++8294.96

Average homeowners insurance cost by company in Hawaii

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

You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.

Here 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 $1000 deductible.

CompanyAverage annual rateAverage monthly rate
Universal Insurance Co$385$32
State Farm$395$33
Dongbu Insurance$438$37
Tokio Marine Holdings$572$48
Island Insurance$611$51
RLI Insurance$773$64
Ocean Harbor$889$74

Hawaii homeowners insurance rates by ZIP code

Insurance companies in Hawaii assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Hawaii. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Hawaii

Not every area in Hawaii has the same home insurance cost. How much is home insurance in Hawaii depends on a lot of different factors and one of them is your ZIP code. 96813 ZIP has low cost home insurance rates in Hawaii, at about $559 a year or $47, based on data.

Find below the homeowners insurance rates for some of the most affordable ZIP codes in Hawaii.

ZIP codeAverage annual rateAverage monthly rate

Final thoughts

Finding the right homeowners insurance company takes some digging and comparing quotes from various insurers.

Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Hawaii.

Methodology worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.

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

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is home insurance in other states

Washington D.C.$1,203/Year
North Carolina$2,689/Year
North Dakota$2,931/Year
New Hampshire$1,190/Year
New Jersey$1,245/Year
New Mexico$2,530/Year
New York$1,727/Year
Rhode Island$1,534/Year
South Carolina$2,751/Year
South Dakota$3,514/Year
West Virginia$1,781/Year
Show more