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
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.52$420
AIGN/A0.093.43$606
AllstateA+1.462.90$551
Data updated in 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
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
Data updated in 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
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$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
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

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.
- The Hawaii Insurance Division

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.

Compare Hawaii homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
Tip iconHelpful home insurance tools and calculators
Tip icon You might also be interested in