Hawaii homeowners insurance calculator

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Homeowners in Hawaii pay an average of $659 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our Hawaii homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in Hawaii?

Shop around and compare quotes from multiple insurers – rates for the same coverage can differ significantly.
Raise your deductible – a higher up-front cost to you usually translates to a lower annual premium.
Bundle your home and auto insurance with the same insurer to qualify for a multi-policy discount.
Install safety features like smoke detectors, deadbolt locks or a security system, which can qualify you for additional discounts.

How to use the Hawaii home insurance calculator

Our home insurance calculator is designed to give you a quick, personalized look at what coverage might cost in Hawaii. Just plug in a few basics – your state, how much coverage you want for your home, the amount of liability protection, and the deductible that works for you. Here’s how to use it:

Select your state. Choose Hawaii to pull rates specific to your area.
Enter your dwelling coverage amount. This is how much it would cost to rebuild your home.
Choose your liability limit. This covers costs if someone is injured on your property or you accidentally damage someone else’s.
Set your deductible. The amount you’d pay out of pocket before insurance kicks in.

Once you’ve entered your details, the calculator will show you:

The average annual rate for homeowners in Hawaii
The highest and lowest rates in our data
A list of insurers in Hawaii with their typical annual premiums

It’s a simple way to get a ballpark idea of your costs and compare companies before you start shopping for quotes.

Hawaii home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Hawaii

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Hawaii

$620 Average rate

Average rate

$620/Yr

Lowest rate

$373/Yr

Highest rate

$840/Yr

Rates by carriers in Hawaii

Company	Average annual rate
Universal Insurance Co	$373
State Farm	$450
Dongbu Insurance	$492
AIG	$566
Allstate	$704
RLI Insurance	$753
Island Insurance	$778
Tokio Marine Holdings	$840

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

Homeowners insurance in Hawaii averages $659 per year, which is cheaper than the national average of $2,543.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Your premium is determined by a mix of property-specific and personal factors, including where your home is located, how it was built, your claims history, and the coverage selections you make.

Dwelling coverage. Reflects the estimated expense of rebuilding your home, factoring in square footage, construction materials, and local labor and material costs.
Liability coverage. Protects you financially if someone sustains an injury on your property or you’re held responsible for damaging someone else’s property.
Deductible. The amount you pay out of pocket before your insurer covers the remainder of a claim. A higher deductible reduces your premium but increases your exposure when a claim occurs.

Check your credit score

Some states allow insurers to factor in a credit-based insurance score when pricing policies, and the impact can be significant. Where permitted, maintaining a solid credit profile – keeping debt manageable and paying bills on time – can translate directly into a more affordable premium at renewal.

How does dwelling coverage affect homeowners insurance in Hawaii?

Dwelling coverage determines how much your insurer will pay toward repairing or rebuilding your home after a covered event. The coverage level you choose has a direct effect on your premium – more coverage means higher costs. Even so, selecting an amount that genuinely reflects your home’s full rebuild value is important, since being uninsured can leave you with substantial out-of-pocket expenses after a major loss.

Average annual and monthly premiums by dwelling coverage amount are shown in the table below.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$500	$42
$300,000	$659	$55
$400,000	$844	$70
$600,000	$1,249	$104
$1,000,000	$2,181	$182

Average cost of homeowners insurance in Hawaii

The average cost of homeowners insurance in Hawaii is $659 per year – cheaper than the national average of $2,543.

That estimate is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

But remember – how much you actually pay could be higher or lower. Things like where your home is located, its age and size, and how much it would cost to rebuild all play a big role in what you’ll actually pay.

Average cost of home insurance in major Hawaii cities

Home insurance rates in Hawaii can differ quite a bit from one city to the next. Homeowners in Honolulu tend to pay among the lowest rates in the state, while those in Ewa Gentry face some of the highest.

The table below shows average annual premiums across major cities in Hawaii.

City	Average annual rate	Average monthly rate
Ewa Gentry	$660	$55
Hilo	$659	$55
Honolulu	$655	$55
Kahului	$659	$55
Kailua	$659	$55
Kaneohe	$660	$55
Kapolei	$660	$55
Mililani Town	$660	$55
Pearl City	$660	$55
Waipahu	$660	$55

How do natural disasters affect homeowners insurance rates in Hawaii?

Where your home sits on the map directly affects what you pay for insurance. Homes in areas prone to flooding, wildfires, hurricanes or tornadoes tend to carry higher premiums because they’re more likely to result in large claims.

What’s equally important to know is that standard homeowners policies don’t cover these events. Depending on your location, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this coverage raises your premium, but it also means you won’t be left covering major losses out of pocket after a disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Hawaii?

Homeowners in Hawaii pay an average of $659 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Hawaii?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com sourced homeowners insurance rates from Quadrant Data Services in late 2025, based on policies with dwelling coverage between $200,000 and $1 million and liability coverage of $100,000 and $300,000. All sample rates used a $1,000 deductible, with a 2% hurricane deductible applied where relevant.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$2,902/Year

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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.