Best and cheapest home insurance in Hawaii for 2024

Best homeowners insurance companies in Hawaii: State Farm

The best home insurance company in Hawaii for 2024 is State Farm. AIG and Allstate are among other top home insurance companies in Hawaii based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance in Hawaii
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.52	$420
AIG	N/A	0.09	3.43	$606
Allstate	A+	1.46	2.90	$551

Cheapest home insurance companies in Hawaii: State Farm

Below are Hawaii home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see State Farm has the most affordable rates in every category.

Cheapest home insurance in Hawaii
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
State Farm	$303	$420	$557	$837	$1,402
Universal Insurance	$313	$420	$551	$815	$1,407
Dongbu Insurance	$385	$477	$589	$811	$1,257
Allstate	$396	$551	$707	$1,019	$1,847
AIG	$431	$606	$808	$1,274	$2,104
Island Insurance	$508	$663	$849	$1,221	$1,964
Tokio Marine America	$491	$669	$886	$1,330	$2,482
RLI Insurance	$641	$789	$976	$1,351	$1,531
Ocean Harbor	$679	$923	$1,195	$1,728	$2,489

Average home insurance cost in Hawaii

The average cost of homeowners insurance in Hawaii is $582 a year or $48 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare quotes from different Hawaii homeowners insurance companies to get the best deal.

Hawaii home insurance rates by ZIP code

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP Code	City	Highest Rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP Code	City	Lowest Rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data refreshed as of Apr 2024

Compare homeowners insurance rates by city in Hawaii

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Hawaii.

City	Annual insurance premium
Hilo	$420
Honolulu	$417
Kahului	$420
Kailua	$420
Kapolei	$420
Pearl City	$420

Home insurance FAQs

Do I need flood insurance in Hawaii?

If you live in a high-risk area, your mortgage company may require you to buy flood insurance. However, home insurance doesn’t cover floods, including storm surges resulting from hurricanes.

Does Hawaii home insurance cover hurricanes?

The biggest reason home insurance rates in Hawaii are so cheap is that hurricane coverage is not a part of a standard policy. While this does keep rates low, it means you will have no coverage for hurricane damage. You can and should add this coverage for an additional premium to be fully covered.