Best and cheapest companies for home and auto bundles in Hawaii

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Bundling home and auto insurance in Hawaii can help reduce your overall costs, but the best option depends on whether you’re focused on maximizing your discount or minimizing your final premium. On average, State Farm provides the highest percentage savings, while State Farm offers the most affordable bundled rates.

Insurance companies price bundles differently, so comparing multiple providers is essential. The right choice depends on your home value, driving profile and where you live within Hawaii.

What you need to know about bundling in Hawaii

Bundling means purchasing multiple insurance policies, such as home and auto, from the same insurer to receive a discount.
State Farm offers the biggest bundle discount in Hawaii, saving an average of 14%
The cheapest bundle doesn’t always come from the biggest discount – final premiums can vary by company
Your location within Hawaii plays a major role in how much you’ll actually save
Bundling is often cheaper and more convenient, but it’s not always the best deal

Which companies offer the best home and auto bundles in Hawaii? Here’s our pick

State Farm, Island Insurance and Allstate rank among the best home and auto bundle companies in Hawaii, combining strong discounts, competitive pricing and high rankings for both home and auto insurance. The best option depends on whether you prioritize the largest discount or the lowest total premium.

We evaluated insurers based on their average bundle discounts in both percentage and dollar terms, along with their rankings in home and auto insurance. Based on these factors, these are the top companies for bundling in Hawaii:

State Farm

The average bundle discount at State Farm is $383, or 14%. State Farm offers bundling across its home and auto policies, making it straightforward for most policyholders to qualify. Before the bundle discount is applied, the average combined cost of home and auto insurance sits at $2,680.

Island Insurance

The average bundle discount at Island Insurance is $199, or 7%. Customers who bundle home and auto with Island Insurance receive the discount on top of their existing coverage, with no adjustments needed. The average combined rate before the discount is $2,657.

Allstate

The average bundle discount at Allstate is $328, or 11%. Bundling with Allstate also consolidates your policies under one renewal date and one point of contact for claims. Without the bundle discount, the average cost of coverage is $2,935.

People also ask:

Who has the cheapest home and auto bundle in Hawaii?

In Hawaii, State Farm offers the cheapest rates for home and auto bundle, with an average premium of $2,297.

How much can you save by bundling home and auto insurance in Hawaii?

On average, bundling home and auto insurance can save you about 17%, though your exact savings will depend on your coverage, location, and eligibility for discounts.

How do home and auto bundle rates compare in Hawaii?

Home and auto bundle rates in Hawaii can vary significantly by insurer. Some companies offer lower base premiums, while others provide larger discounts, and the difference between providers can be substantial. Comparing both the final price and the discount is key to finding the best deal.

Here’s how rates and savings compare across top insurers in Hawaii:

Company Group	Auto AM Best	Home AM Best	Auto Premium	Home Premium	Auto NAIC	Home NAIC	Bundled Premium	Overall Rating
State Farm	A+	A+	$2,180	$500	0.87	1.15	$2,297	4.22
Island Insurance	A	A	$1,860	$797	0.00	0.64	$2,458	4.07
Allstate	A+	A+	$2,231	$704	1.20	1.26	$2,607	2.62

Bundle savings can vary more than you expect

Two insurers may advertise similar discounts but still produce very different final premiums depending on their starting rates. Always ask for the total combined annual cost of both policies after discounts are applied – not just the discount percentage – before deciding where to bundle. The company with the biggest advertised savings isn’t always the one with the lowest final bill.

What is the cheapest home and auto bundles in Hawaii?

State Farm is the most affordable option for home and auto bundles in Hawaii, based on total premium. On the other hand, State Farm is a better choice if you’re looking for the largest discount rather than the lowest base price.

A discount reduces the base price of your policy, while total savings refers to the final amount you pay after all discounts are applied.

The best option depends on whether you want the lowest final price or the biggest discount off your premium.

Here’s how the cheapest bundle options compare in Hawaii:

Company	Home insurance premium	Auto insurance premium	Premium before Bundle	Premium after Bundle
State Farm	$500	$2,180	$2,680	$2,297
Island Insurance	$797	$1,860	$2,657	$2,458
Allstate	$704	$2,231	$2,935	$2,607

Cheapest doesn’t always mean best value

Lower premiums can sometimes come with reduced coverage limits, higher deductibles, or exclusions that leave you exposed when you need to file a claim, which is a request you file with your insurance company to cover a loss or damage under your policy.

Before choosing based on price alone, review three key factors: liability limits, deductible amounts, and what’s excluded from the policy. A quote that’s $200 cheaper per year but carries a $2,000 higher deductible isn’t actually a better deal – it becomes more expensive the moment you need to use it.

Which ZIP codes are most and least expensive in Hawaii?

The most expensive ZIP code for bundled home and auto insurance in Hawaii is 96704, with average rates of $2,293, while the least expensive is 96722, where premiums drop to $1,990. Rates vary based on local risks, property values and claims trends.

Where you live plays a major role in how much you pay, influencing both base premiums and available discounts.

Top ten most expensive ZIP codes

The most expensive ZIP code in Hawaii for home and auto insurance bundling is 96704 at an average rate of $2,293.

See the 10 most expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
96704	$2,293	$226	9%
96710	$2,293	$226	9%
96720	$2,293	$226	9%
96740	$2,293	$226	9%
96771	$2,293	$226	9%
96776	$2,293	$226	9%
96780	$2,293	$226	9%
96797	$2,183	$218	9%
96701	$2,164	$216	9%
96734	$2,164	$216	9%

Top ten cheapest ZIP codes

The least expensive ZIP code in Hawaii for home and auto insurance bundling is 96722 at an average rate of $1,990.

See the 10 least expensive ZIP codes below.

ZIP code	Average auto and home after discount	$ difference	% difference
96722	$1,990	$195	9%
96746	$1,990	$195	9%
96747	$1,990	$195	9%
96756	$1,990	$195	9%
96753	$2,123	$208	9%
96761	$2,123	$208	9%
96768	$2,123	$208	9%
96790	$2,123	$208	9%
96793	$2,123	$208	9%
96813	$2,155	$216	9%

Location can impact your premium more than you might expect

Local risk factors such as weather exposure, crime rates and rebuilding costs can create significant price differences even within the same city. Two homes located close to each other but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is typical, check whether your ZIP code is driving it higher – and if you’re planning to move, compare insurance rates for your new address before finalizing your decision.

How we picked the best companies for home and auto bundling

We analyzed home and auto insurance rates from Quadrant Data Services in 2025 across all 50 states and Washington, D.C. Bundle discount percentages were also reviewed based on the average savings offered by each insurer. Pre- and post-bundle rates were calculated using these averages. Our analysis included 3 companies and 39 ZIP codes.

Frequently asked questions about home and auto bundle insurance

Is bundling home and auto insurance right for everyone in Hawaii?

Bundling home and auto insurance in Hawaii can help reduce costs and simplify policy management, but it’s not always the cheapest option. Some insurers offer better rates when policies are purchased separately, so it’s important to compare both bundled and unbundled quotes. Coverage can also differ between companies, so make sure both policies meet your needs before combining them.

How can you switch to a home and auto bundle in Hawaii?

Switching to a bundle is straightforward. Many people make the change when one of their policies is up for renewal. However, you don’t have to wait – you can cancel an existing policy early and receive a refund for unused coverage. Just make sure your new bundled policy is active before canceling your old one to avoid any lapse in coverage.

What should you check before bundling home and auto insurance?

When bundling home and auto insurance, review the total premium, coverage details, and the insurer’s reliability. It’s also important to choose a licensed company with strong claims support, since lower prices may come with trade-offs (Texas Department of Insurance, n.d.).

Resources & Methodology

Sources:

Texas Department of Insurance, (2025). Shopping for auto insurance. September 2026.

Methodology

Insure.com analyzed rates and discount averages provided by Quadrant Data Services across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For auto insurance discounts, we analyzed 11,069,610 quotes in 2024 from 197 companies across 89 insurer groups. Rates reflect a 40-year-old male and female driving a 2023 Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, and 15,000 annual miles.

For home insurance discounts, we reviewed 17,856,699 quotes in 2025 from 134 companies across 75 insurer groups, using a standardized homeowner profile with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 liability.

To rank companies, we developed a composite scoring model that balances cost, customer experience, and financial strength. Each insurer’s score is weighted as follows:

Annual premium (35%) – average cost across auto and home datasets
NAIC (35%) – complaint index and customer experience
AM Best (30%) – financial strength and stability

How much is home and auto bundle insurance in other states

$3,766/Year

$4,171/Year

$4,303/Year

$3,494/Year

$3,605/Year

$4,655/Year

$4,165/Year

$4,209/Year

$2,995/Year

$5,034/Year

$4,402/Year

$3,357/Year

Show more states

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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.