Home Home insurance Average home insurance cost Cheapest homeowners insurance in Hawaii Cheapest homeowners insurance in Hawaii Written by: Les Masterson Les Masterson 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. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 1, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 TakeawaysIn 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 HawaiiHome 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 premiumAllstate$384$32State Farm$502$42First Fire$514$43Compare cheap homeowners insurance in Hawaii by ratingsIt’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 ratingState Farm835A++Allstate829A+Liberty Mutual806AHow much is home insurance in HawaiiThe 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$42Multiple factors play a role in homeowners insurance cost, including:Location, including ZIP codeLevel of coverageHome construction and ageYour claims history Your home’s claims historyThe area’s claims historyDeductibleCredit historyCheapest homeowners insurance in Hawaii by ZIP code96701 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 premium96701$490$4196703$506$42 Explore other insurance options in Hawaii Average renters insurance cost in Hawaii Average car insurance cost in Hawaii Non-owner car insurance in Hawaii How much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .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. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell Home replacement cost calculator By Nupur Gambhir Personal liability insurance: What it is and why you need it By Barry Eitel Cost of living comparison by state By Chris Kissell How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: Estimate cost by state or city By Shivani Gite Table of contents Cheap homeowners insurance companies in Hawaii Compare cheap homeowners insurance in Hawaii by ratings How much is home insurance in Hawaii Cheapest homeowners insurance in Hawaii by ZIP code Get instant quotes now ! Please enter valid zip Get Quotes