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 score is calculated out of five using these factors.

Best home insurance in Hawaii
CompanyAM BestNAIC complaint scoreAverage annual rate
State FarmA++0.834.52$420
Data refreshed as of May 2024

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
State Farm$303$420$557$837$1,402
Universal Insurance $313$420$551$815$1,407
Dongbu Insurance$385$477$589$811$1,257
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
Data refreshed as of May 2024

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
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of May 2024

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.

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