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Dongbu Insurance is the best homeowners insurance company in Hawaii, based on a 2023 analysis by, with an overall rating of 4.59. Tokio Marine took the second spot. 

State Farm offers the cheapest home insurance in Hawaii at all coverage levels. 

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. Below we’ll help you find that company.

Key takeaways

  • The average home insurance rate in Hawaii is $582 per year or $48  per month.
  • State Farm is the cheapest home insurance company in Hawaii, with an average rate of $420 a year. 
  • Dongbu Insurance ranks the best home insurance company in Hawaii for 2023.

What is the 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. 

Best homeowners insurance companies in Hawaii

The best home insurance company in Hawaii for 2023 is Dongbu Insurance, followed by Tokio Marine Holdings and State Farm.  

Below is a full list of the top Hawaii insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Hawaii
Insurance companyAM BestAverage annual rateNAIC Complaint score
Dongbu InsuranceA$ 4510.044.59
Tokio Marine HoldingsA++$ 58904.52
State FarmA++$ 4201.074.45
AIGA+$ 6060.084.28
Island InsuranceA$ 62504.12
Universal Insurance CoA$ 4201.573.89
AllstateA+$ 4252.043.79
RLI InsuranceA+$ 7890.183.71

Cheapest home insurance companies in Hawaii

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 rates in Hawaii by coverage level
State Farm$ 303$ 420$ 557$ 698$ 837
Allstate$ 310$ 425$ 541$ 658$ 774
Universal Insurance Co$ 313$ 420$ 551$ 684$ 815
Dongbu Insurance$ 367$ 451$ 553$ 655$ 756
AIG$ 431$ 606$ 808$ 1,041$ 1,274
Tokio Marine Holdings$ 436$ 589$ 774$ 960$ 1,156
Island Insurance$ 484$ 625$ 798$ 970$ 1,143
RLI Insurance$ 641$ 789$ 976$ 1,163$ 1,351
Ocean Harbor$ 673$ 914$ 1,185$ 1,436$ 1,713

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.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

Frequently asked questions about Hawaii home insurance

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. It’s important to know that 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.

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