Best and cheapest companies for home and auto bundles in Hawaii

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

Because insurers price bundles differently, it’s important to compare multiple companies. The right fit 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 are among the best home and auto bundle companies in Hawaii, offering strong discounts, competitive bundled rates and high rankings for both auto and home insurance. The right choice for you will depend on whether you prioritize the biggest discount or the lowest final premium.

We ranked companies based on the average bundle discount they offer in both dollar and percentage terms, along with their performance in auto and home insurance rankings. Based on those criteria, these are the best companies for bundling in Hawaii:

State Farm

The average bundle discount at State Farm is $383, or 14%. State Farm makes bundling home and auto policies available to most customers, with a relatively simple qualification process. The average combined rate before the discount is $2,680.

Island Insurance

The average bundle discount at Island Insurance is $199, or 7%. For policyholders who carry both home and auto with Island Insurance, the bundle discount applies without requiring any changes to existing coverage. Before the discount, customers pay $2,657 for coverage.

Allstate

The average bundle discount at Allstate is $328, or 11%. Bundling with Allstate means both policies share a single renewal date and the same claims team. The average combined rate before the discount is $2,935.

People also ask:

Who has the cheapest home and auto bundle in Hawaii?

State Farm typically provides the most affordable home and auto bundle in Hawaii, with average premiums around $2,297.

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

Drivers who bundle home and auto insurance can save around 17% on average, depending on the insurer and their individual profile.

How do home and auto bundle rates compare in Hawaii?

Home and auto bundle rates in Hawaii vary widely by company, with some insurers offering significantly lower premiums or larger discounts than others. The difference between providers can be substantial, making it important to compare both the final bundled price and the discount offered.

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 offer similar discounts but still produce very different final premiums depending on their base pricing. Always ask for the combined annual total for both policies after discounts are applied – not just the percentage savings – before deciding. The company with the biggest advertised discount isn’t always the one with the lowest final cost.

What is the cheapest home and auto bundles in Hawaii?

Choose State Farm if your priority is the lowest overall premium for a home and auto bundle in Hawaii. If your goal is to unlock the highest discount percentage, State Farm is the stronger option.

A discount lowers the initial price of your policy, while total savings reflects the final amount you pay after all discounts are applied. The best choice depends on whether you prioritize the lowest final price or the largest discount.

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

Cheaper premiums can sometimes come with higher deductibles, lower coverage limits or exclusions that leave you financially exposed when you 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 elements: your liability limits, deductible amounts and what’s excluded from the policy. A policy that saves you a few hundred dollars per year but increases your out-of-pocket costs significantly isn’t a better deal – it’s a bigger risk.

Which ZIP codes are most and least expensive in Hawaii?

The most expensive ZIP code for home and auto bundles in Hawaii is 96704, with average rates of $2,293, while the cheapest is 96722, where average premiums drop to $1,990. Rates can vary significantly across locations due to differences in risk, property values and local claims data.

Where you live plays a major role in how much you pay for bundled insurance, as both base premiums and available discounts vary by ZIP code.

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%

Your ZIP code can impact your rate more than your insurer

Location-based risks such as weather patterns, crime rates and rebuilding costs can create major price differences even within the same city. Two homes located less than a mile apart but in different ZIP codes can have noticeably different premiums for identical coverage. Before assuming your rate is standard, check whether your ZIP code is driving it up – and if you’re planning a move, get insurance quotes for your new address before committing.

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. June 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.