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Finding the cheapest home insurance in Hawaii requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that Allstate has the cheapest homeowners insurance rates in Hawaii with an average annual premium of $384 or $32 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Hawaii and how to find the best home insurance rates.

Key Takeaways

  • In Hawaii, the cheapest homeowners insurance is offered by Allstate at $384 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • The zipcode 96701 in Hawaii offers the homeowners insurance at the cheapest rate of $490 per year.

Cheap homeowners insurance companies in Hawaii

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Hawaii?

Allstate, State Farm and First Fire are the cheapest homeowners insurance companies in Hawaii, on average.

Here are average Hawaii homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Allstate$384$32
State Farm$502$42
First Fire$514$43

Compare cheap homeowners insurance in Hawaii by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Hawaii based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

CompanyJ.D. Power scoreAM Best rating
State Farm835A++
Allstate829A+
Liberty Mutual806A

How much is home insurance in Hawaii

The average cost of homeowners insurance in Hawaii is $499 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Hawaii home insurance costs are $1,806 less than the national average.

Average annual premiumAverage monthly premium
$499$42

Multiple factors play a role in homeowners insurance cost, including:

  • Location, including ZIP code
  • Level of coverage
  • Home construction and age
  • Your claims history 
  • Your home’s claims history
  • The area’s claims history
  • Deductible
  • Credit history

Cheapest homeowners insurance in Hawaii by ZIP code

96701 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $490 per year, which is $41 per month. Here are how Hawaii cities rank for average home insurance rates:

ZIP codeAverage annual premiumAverage monthly premium
96701$490$41
96703$506$42

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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