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USAA is the best homeowners insurance company in Hawaii, based on an analysis by Insurance.com. Its overall rating is 2, and it has earned 882 scores out of 1000 from J.D. Power. However, it offers services only to military members and their families.

With so many options out there, it is not easy to choose a homeowners insurance company in Hawaii. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Best home insurance companies in Hawaii

If you're looking for the best homeowners insurance company in Hawaii, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Hawaii:

  • USAA

Compare best homeowners insurance companies in Hawaii

The best way to find the right homeowners insurance policy in Hawaii is by getting quotes from multiple insurance carriers. You should compare rates and coverage options and see if they offer good customer service before deciding on the insurance company.

We have compared the homeowners insurance policies from different companies in Hawaii using the J.D. Power score and ratings from AM Best. Below are the best home insurance companies, along with their overall rating.

CompanyOverall ratingJ.D. Power scoreAM Best rating
USAA2882A++

Average cost of homeowners insurance in Hawaii

The average cost of homeowners insurance in Hawaii is $499 a year or $42 a month. However, the average annual premium varies by the insurance company, zip code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Hawaii homeowners insurance companies to get the best deal.

Average annual premiumAverage monthly premium
$499$42

Most expensive zip codes in Hawaii for homeowners insurance

The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the zip code, with some areas having considerably higher rates than others for home insurance.

We have compared quotes from all the major home insurance companies in Hawaii for nearly all the zip codes. Hawaii homeowners insurance rates are the most expensive for zip code 96703. Its average annual cost is $347.

Find below the average home insurance rate for other zip codes- 

ZIP codeAverage annual rate
96703$347
96701$337

Cheap homeowners insurance in Hawaii

Based on Insurance.com's rate analysis, the cheapest homeowners insurance company in Hawaii is Allstate. It offers home insurance at an average of $384 a year.  

Insurance providers use different methods when deciding on your average annual premium, as a result, prices vary significantly between carriers. Therefore, get at least three price quotes when you shop for coverage, suggests Insurance.com's former Senior Consumer Analyst Penny Gusner.

Following is a list of cheapest home insurance companies along with their average annual premium- 

Company nameAverage annual premium
Allstate$384
State Farm$502
First Fire$514
Liberty$597

Home and auto bundle discounts in Hawaii

Most insurance companies offer discounts to those who bundle their car and home insurance policies. A home and auto bundle can save you an average of $91 a year or 16%, based on an analysis by Insurance.com.

You can save an average of $154 a year if you bundle your home and auto insurance policies from State Farm, the highest among the carriers surveyed.

Below we provide a list of top insurance companies in Hawaii that offer a discount on home and auto bundles.

Company$ Bundle average saving% Bundle average saving
State Farm$15424%
Hawaiian Ins & Guar$12315%
Allstate$7519%
Tradewind Insurance$5910%
Dongbu Insurance$4410%