Best Homeowners Insurance in Hawaii

On average, your neighbors pay $34 a month.

See Your Rates

Allstate and Dongbu Insurance have the cheapest homeowners insurance rates in Hawaii, according to our study of insurance companies.

We analyzed hundreds of quotes in Hawaii and looked at its current home insurance market in order to help you get your best rates. After comparing and contrasting each company's premiums, policies and customer satisfaction reports, here's what we found:

Our comprehensive guide to home insurance in Hawaii, includes:

Cheapest homeowners insurance rates in Hawaii

Dongbu offers the cheapest home insurance in Hawaii, with an average premium of $238 a year, based on our research. Homeowners insurance premiums in Hawaii may differ from provider to provider. 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
Allstate $273
Dongbu $238
First Fire & Casualty Insurance of Hawaii $473
Hawaiian Insurance and Guaranty Company $644
RLI $429
State Farm $564
Tradewind $391
Universal North America Insurance  $286
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 $412. Despite Hawaii being known for tropical storms and occasional volcanic eruptions, neither of these threats occurs in any real frequency 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 country. You can lower your premium by choosing a higher deductible.

Deductible Average annual premium
$500 $454
$1,000 $412
$1,500 $407
$2,000 $392
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 Fire & Casualty are our top choices for home insurance providers in Hawaii. Here's why:

Allstate: best overall

Allstate's average homeowners insurance premium in Hawaii is $273, 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 or life insurance policy with an Allstate home insurance policy, you can save up to 25% on your total yearly premiums. You can also save up to 20% if you switch to Allstate and don't have a recent home insurance claim.

Allstate has good customer satisfaction among homeowners. In J.D. Power's 2021 U.S. Home Insurance Study, Allstate has a customer satisfaction score of 829 out of 1,000, which is higher than the national average of 825.

First Fire & Casualty: best local home insurance provider

Hawaii-based First Fire & Casualty, a subsidiary of First Insurance Company of Hawaii, sells home insurance to residents of Hawaii who want a provider that's closer to home. While First Fire & Casualty's average home insurance rate of $473 is above the state average premium, it has been providing insurance to Hawaii residents since 1911. Fire Insurance Company of Hawaii has local agents who can help with claims and any questions about your policy.

AM Best, a credit rating organization, gives First Fire & Casualty an A+ for its financial strength, reflecting its capability to pay out on claims.

How much can you save on home insurance in Hawaii?

Cheapest homeowners insurance rates in Hawaii by city

As you can see, there isn't a large difference between home insurance premiums on the city level. Due to Hawaii's small geographical size, the cities are fairly close together. This results in similar rate averages.

City Average annual premium
Honolulu $407
Hilo $414
Pearl City $410
Waipahu $410
Kailua $412
Kaneohe $410
Kahului $414
Mililani Town $410
Ewa Gentry $410
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Homeowners insurance rates in Hawaii by county

Here's an overview of homeowners insurance rates across Hawaii's counties. Much like home insurance rates across Hawaiian cities, you're not going to see a wide difference in premiums due to how close the counties are to each other.

County Average annual premium
Honolulu $410
Hawaii $414
Maui $414
Kauai $414
Kalawao $414
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. A 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: You can purchase hurricane insurance, which will cover wind-related damage. A standard home insurance policy in Hawaii typically doesn't cover hurricane coverage. Hurricane insurance is a supplemental policy.


We obtained quotes for a standard HO-3 homeowners insurance policy on a typical home in every ZIP code in Hawaii. Unless otherwise noted, standard policies included the following limits and deductibles.

  • Dwelling coverage: $275,000
  • Other structures: $27,500
  • Personal property: $137,500
  • Loss of use: $55,000
  • Liability: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000

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