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Condo insurance isn’t required by law in Hawaii, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Hawaii, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Hawaii with average annual rates.

Key takeaways

  • The residents of Hawaii pay an average of $394 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, State Farm is the top pick for the best condo insurance company in Hawaii.
  • AIG offers the cheapest condo insurance in Hawaii at an average of $222 per year.

Best condo insurance companies in Hawaii

In Hawaii, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Hawaii. Below are the best condo insurance companies in Hawaii based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
4.8
Allstate815A+
2.6

Average cost of condo insurance in Hawaii

The average cost of condo insurance in Hawaii is $394 a year or $33 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$394$33

CONDO INSURANCE CALCULATOR

Average condo insurance rates in HAWAII

$60,000
$1,000
$100,000
96850 - Honolulu
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $371

HIGHEST RATE: $560 LOWEST RATE: $222

Most & least expensive zip codes for condo insurance in Hawaii

Most Expensive

Zip CodeCityHighest Rate
96744Ahuimanu$371
96701Aiea$371
96778Ainaloa$371
96703Anahola$371

Least Expensive

Zip CodeCityLowest Rate
96744Ahuimanu$371
96701Aiea$371
96778Ainaloa$371
96703Anahola$371

Condo insurance rates by company in Hawaii

Rates for condo insurance by company in Hawaii vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Hawaii. The cheapest company for condo insurance in Hawaii is AIG. State Farm, and Dongbu Insurance, are the second and third cheapest options.

CompanyAverage Annual Rate
AIG$222
State Farm$284
Dongbu Insurance$298
Universal Insurance Co$310
Island Insurance$407
Allstate$467
Ocean Harbor$469
RLI Insurance$512
Tokio Marine Holdings$577

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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