Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Hawaii are State Farm, AIG and DB.
DB offers the highest-quality homeowners insurance in Hawaii with the lowest average annual premium at $272.
Hurricane threats drive up insurance costs for island residents since Hawaii's location makes it vulnerable to tropical storms, requiring comprehensive yet affordable coverage.
State Farm is the best home insurance company for most Hawaii homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| State Farm | 4.77 | 3 | 1 | 3 |
| AIG Insurance | 4.83 | 4 | 2 | 1 |
| DB Insurance | 4.61 | 1 | 6 | 2 |
| Allstate | 4.49 | 6 | 3 | 4 |
| RLI | 4.2 | 2 | 5 | 8 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Hawaii's coastal communities face different insurance challenges than inland volcanic regions, creating significant rate and provider performance variations across the islands. Our research identified the top-rated insurer for major Hawaii cities based on affordability, customer satisfaction and coverage options.
| Honolulu | AIG Insurance | $519 |
| Kailua | AIG Insurance | $519 |
| Kilauea | AIG Insurance | $519 |
| Laupahoehoe | AIG Insurance | $519 |
Hawaii home insurance costs an average of $600 annually, though rates vary based on your home and personal profile. Credit scores drive the biggest difference, with poor credit pushing premiums to $1,434, while excellent credit homeowners pay around $332 yearly. Coverage levels create variations, too: $500,000 in dwelling coverage costs $1,207, versus $360 for $100,000 protection.
Overall average | $600 | $50 |
$100,000 dwelling coverage | $360 | $30 |
$500,000 dwelling coverage | $1,207 | $101 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $332 | $28 |
Poor Credit | $1,434 | $120 |
Compare home insurance rates across multiple carriers to find coverage that protects against the islands' distinct risks like hurricanes, volcanic activity and flash floods. Shopping smart means securing policies that address Hawaii's unique hazards while staying affordable.
Assess your home's replacement cost and Hawaii's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Hawaii's high rebuilding costs.
Hawaii home insurance averages $600 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Hawaii-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Hawaii's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Hawaii homes.
Update your dwelling coverage each year to match rising construction costs and your home's current replacement value. Hawaii's volcanic activity and hurricane threats mean your coverage needs shift over time. Review your policy annually and shop for new quotes, especially after home improvements.
State Farm, AIG and DB lead Hawaii's home insurance market with strong financial ratings and comprehensive coverage options. Compare quotes from these providers and prioritize protection against Hawaii's risks (wildfires, flash floods, hail damage) to ensure adequate rebuilding costs and liability coverage.
Common questions Hawaii homeowners ask when shopping for home insurance:
Standard home insurance policies exclude hurricane wind damage coverage in most coastal areas. Homeowners need separate hurricane or windstorm insurance to protect against wind-related damage from tropical storms and hurricanes. This additional coverage carries specific deductibles and may have waiting periods before taking effect, so securing protection well before hurricane season begins is essential.
Your dwelling coverage needs to match the full cost to rebuild your home, not its market value. Inventory your belongings to determine adequate personal property coverage amounts. Use a construction cost calculator or get a professional appraisal to estimate accurate rebuild costs for proper protection.
Hawaii's hurricane risk significantly increases home insurance rates as insurers charge higher premiums to offset potential wind and flood damage costs. Coastal properties on the Big Island and Maui face the steepest rate increases due to their direct exposure to storm paths. However, homeowners can secure discounts by installing hurricane straps, impact-resistant windows, and reinforced roofing materials that reduce damage risk while lowering premium costs.
Replacement cost coverage pays to replace your damaged belongings with brand-new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Hawaii-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Hawaii homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Hawaii's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Hawaii needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Hawaii's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Hawaii homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
