Best Homeowners Insurance in Hawaii

On average, your neighbors pay $38 a month.

See Your Rates

Allstate and Dongbu Insurance have the cheapest homeowners insurance rates in Hawaii, according to our study of the state's insurers.

We analyzed hundreds of quotes in Hawaii and looked at the state's current home insurance market to help you get your best rates. Our comprehensive guide to home insurance in Hawaii includes:

In this article

Cheapest homeowners insurance rates in Hawaii

Dongbu offers the cheapest home insurance in Hawaii, with an average premium of $259 a year, based on our research.

Homeowners insurance premiums in Hawaii may differ from provider to provider. That's why it's in your best interest to compare home insurance rates from different companies.

Here is how the homeowners insurance premiums of some of the largest providers in Hawaii compare.

Company Average annual premium
AIG $563
Allstate $366
Dongbu $259
Hawaiian Insurance and Guaranty Co. Ltd. $690
RLI $429
State Farm $495
First Insurance Company of Hawaii $473
Tradewind Insurance Co. Ltd. $391
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much does homeowners insurance cost in Hawaii?

The average annual cost of home insurance in Hawaii is $458. Despite Hawaii being known for tropical storms and occasional volcanic eruptions, neither of these threats occurs often enough to be considered a high home insurance risk. That's part of why Hawaii has cheaper average home insurance rates than the rest of the U.S.

To get an even lower home insurance premium in Hawaii, choose a higher deductible.

Deductible Average annual premium
$500 $510
$1,000 $458
$2,000 $435
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much you pay on home insurance also changes based on the dwelling coverage amount you need. Dwelling coverage is the cost to rebuild your home. The table below shows how your premium can vary based on dwelling coverage.

Dwelling coverage amount Average annual premium
$275,000 $458
$350,000 $536
$425,000 $641
$500,000 $750
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best homeowners insurance companies in Hawaii

Allstate and First Insurance Company of Hawaii are our top choices for home insurance providers in Hawaii. Here's why:

Allstate: Best rates

Allstate's average homeowners insurance premium in Hawaii is $366, which is the second-cheapest rate from the companies we reviewed.

On top of an already low price, Allstate offers ways to save even more money on your annual premium. If you bundle your auto and home insurance policy with Allstate, you can save up to 25% on your premium. You can also save up to 20% if you switch to Allstate and don't have a recent home insurance claim.

First Insurance Company of Hawaii: Best local home insurance provider

Hawaii-based First Insurance Company of Hawaii, a member of the Tokio Marine Group, sells home insurance to residents of Hawaii who want a provider that's closer to home.

While First Insurance Company of Hawaii's average home insurance rate of $473 a year is higher than the state average premium, its local presence could make up for it. The company has been providing insurance to Hawaii residents since 1911 and so knows the market well. It also has local agents who can help with claims and any questions about your policy.

AM Best, a credit rating organization, gives First Insurance Company of Hawaii an A+ for its financial strength, reflecting its capability to pay out on claims.

Cheapest homeowners insurance rates in Hawaii by city

There isn't a huge difference between Hawaii home insurance premiums on the city level. Due to Hawaii's small geographical size, its cities are fairly close together. This results in similar rate averages across the state.

City Average annual premium
Honolulu $455
Hilo $461
Pearl City $455
Kailua $458
Waipahu $455
Kaneohe $455
Ewa Gentry $455
Mililani Town $455
Kahului $461
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Common homeowners insurance perils in Hawaii

Homeowners in Hawaii may face extreme weather events. Standard homeowners insurance covers some, but not all, of the damage that could occur from these weather events.

  • Volcanoes: There are currently six active volcanoes in Hawaii. Separate volcano insurance does not exist; however, you can purchase earthquake and flood insurance. Earthquakes and tsunamis can be caused by a volcanic eruption.
  • Hurricanes: A standard home insurance policy in Hawaii typically doesn't offer hurricane coverage. Hurricane insurance is a supplemental policy that you can purchase, and it will cover wind-related damage. If you have a mortgage, you may be required to purchase hurricane insurance.
  • Floods: A standard home insurance policy does not cover flood damage, but you can purchase flood insurance to protect your home and belongings from this risk.


We collected quotes from every ZIP code in Hawaii for a standard HO-3 homeowners insurance policy using the following coverages:

  • Dwelling: $275,000
  • Other structures: $27,500
  • Loss of use: $55,000
  • Personal liability: $100,000
  • Guest medical payments: $1,000
  • Deducible: $1,000 LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.