- Best homeowners insurance companies in Hawaii: State Farm
- Cheapest home insurance companies in Hawaii: State Farm
- Average home insurance cost in Hawaii
- Hawaii home insurance rates by ZIP code
- Hawaii homeowners insurance rates by county
- Frequently asked questions about Hawaii home insurance
- Compare Hawaii homeowners insurance rates with other states
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.
| 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.Â
| 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.Â
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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| 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 |
Hawaii homeowners insurance rates by county
Home insurance rates in Hawaii vary by county. Take a look at the average rates by county in Hawaii below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Hawaii | $614 | $51 |
| Honolulu | $612 | $51 |
| Kalawao | $614 | $51 |
| Kauai | $614 | $51 |
| Maui | $614 | $51 |
The Hawaii Insurance Division says...
If heat generated by a lava flow caused a fire that damaged your home or structure, then those damages may be covered as a fire peril under your policy. Here are a few tips if your home or business is in the path of the flow:
- Keep your insurance policy in a safe place. If you need to evacuate be sure to take it with you.
- Homeowners should inventory their belongings using pictures, video, or the National Association of Insurance Commissioners' MyHome Scr.APP.book app. Proof of belongings and structures that were damaged before the lava flow reaches their property will help make the claims process easier.
- Residents are advised to remove as much as possible from their homes to mitigate the amount of damage. Even if a home is not damaged, the lava flow may cut off access to homes, businesses and belongings.
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. 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.
Compare Hawaii homeowners insurance rates with other states
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