Allstate earns a 4.8/5 MoneyGeek score as Hawaii's best home and auto bundle insurer, with an annual bundled premium of $1,539 for a 40-year-old with good credit. I analyzed 120 quotes across six Hawaii ZIP codes, weighing affordability, customer satisfaction and coverage quality to produce each ranking. State Farm offers the largest bundle discount in the state at 17%, saving policyholders $489 annually, though its total bundled premium of $2,366 remains the highest among rated carriers. Hawaii's bundle market is one of the most limited in the country, and the best home and auto insurance bundles nationally show just how much Hawaii's geographic isolation and natural hazard exposure push bundle premiums above what policyholders pay in most other states.
Best Home and Auto Insurance Bundle in Hawaii
Updated: May 11, 2026
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Hawaii's top home and auto bundle insurer is Allstate with a 4.79 out of 5 MoneyGeek score and an annual bundled premium of $1,539, the lowest in the state.
State Farm offers Hawaii's largest bundle discount at 17%, saving policyholders $489 per year, the highest dollar savings of any carrier analyzed.
A bigger discount doesn't guarantee the lowest total bill: State Farm's 17% discount still a bundle premium at $2,366 annual, which is $827 more per year than Allstate's lower-discount bundle at $1,539.
Best Home and Auto Bundle in Hawaii
| Allstate | 4.79 | $1,539 | 13% |
| Island Insurance | 4.73 | $1,582 | 13% |
| State Farm | 4.6 | $2,366 | 17% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Hawaii
The three top-ranked bundle providers in Hawaii are Allstate, Island Insurance and State Farm. Allstate leads on price with the lowest annual bundle premium at $1,539, while Island Insurance offers a competitive alternative at $1,582 with the strongest auto coverage scores in the state. State Farm ranks third but posts the highest bundle discount at 17% and the largest dollar savings at $489 per year, though its total premium is the highest of the three. Hawaii's limited carrier availability, driven by geographic isolation, lava flow risk on the Big Island and rebuilding costs that far exceed mainland averages, means fewer providers actively write homeowners policies in the state, making it especially important to compare every available option.
Allstate
Annual Bundle Premium
$1,539Monthly Bundle Premium
$128Bundle Savings
13%
Allstate
Island Insurance
Annual Bundle Premium
$1,582Monthly Bundle Premium
$132Bundle Savings
13%
State Farm
Annual Bundle Premium
$2,366Monthly Bundle Premium
$197Bundle Savings
17%
Cheapest Home and Auto Bundle in Hawaii
Allstate offers the cheapest home and auto bundle in Hawaii at $1,539 per year. Island Insurance is a close second at $1,582, a difference of just $43 annually. State Farm offers the biggest discount at 17% and saves policyholders $489 per year, but its total bundled premium of $2,366 is still $827 more per year than Allstate's, a clear example of why the highest discount percentage doesn't always produce the lowest total bill. Hawaii's standalone auto rates are part of what determines total bundle costs, and the average car insurance costs in Hawaii show how the auto component contributes to each provider's bundled premium.
| Allstate | $1,539 | $234 |
| Island Insurance | $1,582 | $240 |
| State Farm | $2,366 | $489 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Hawaii
State Farm offers Hawaii's highest bundle discount at 17%, saving policyholders $489 annually, the largest dollar savings of any carrier in my analysis. Island Insurance and Allstate both offer 13% discounts, with Island Insurance producing slightly more in dollar savings at $240 versus Allstate's $234. State Farm's larger discount doesn't produce the lowest total premium. Its annual bundle of $2,366 is $827 more than Allstate's $1,539, showing that a high discount percentage applied to a high base rate can still leave you paying substantially more overall.
| State Farm | 17% | $489 | $2,366 |
| Allstate | 13% | $234 | $1,539 |
| Island Insurance | 13% | $240 | $1,582 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Hawaii's geographic isolation limits the number of carriers that actively write homeowners policies in the state, which narrows bundle options compared to most mainland states. Lava flow risk on the Big Island has caused additional carrier restrictions in affected zones, particularly in areas like Leilani Estates and the lower Puna district following the 2018 Kilauea eruption. Hawaii's last-resort property insurer, the Hawaii Property Insurance Association (HPIA), can't be bundled with auto insurance for a discount. All three providers in my Hawaii analysis are actively writing in the state, but availability in high-lava-risk zones should be confirmed directly with each carrier before purchasing. The best homeowners insurance in Hawaii includes context on which carriers still write policies across the state's highest-risk zones.
How to Get Cheap Home and Auto Bundle Insurance in Hawaii
Hawaii homeowners pay some of the highest bundle premiums in the country, driven by geographic isolation that pushes labor and materials costs well above mainland averages and by hurricane and volcanic activity exposure that raises home insurance rates considerably. Understanding these cost drivers helps Hawaii homeowners target the right savings strategies within a limited carrier market.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 can meaningfully lower your annual home premium, and the same logic applies to auto comprehensive and collision deductibles. In Hawaii, where home premiums are elevated by rebuilding cost risk, the savings from a higher deductible are often larger in dollar terms than in lower-cost states. Before making this change, confirm you have enough in savings to cover the higher out-of-pocket amount if you need to file a claim.
- 2Try a Telematics Auto Program
Telematics programs track driving behaviors such as speed, braking, and mileage and can lower your auto rate based on demonstrated safe driving habits. Allstate's Drivewise and State Farm's Drive Safe & Save are both available in Hawaii and can generate additional discounts that stack on top of your existing bundle savings. Because Hawaii drivers tend to log fewer highway miles than mainland commuters, low-mileage drivers in particular may see meaningful reductions through these programs.
- 3Protect Your Home Against Hurricane and Natural Hazard Risk
Hawaii's primary home insurance cost drivers include hurricane exposure, volcanic activity risk on the Big Island, and the high cost of materials and labor due to geographic isolation, all of which push home premiums and total bundle costs well above national averages. Installing hurricane straps, impact-resistant roofing, and storm shutters can qualify you for home insurance discounts with carriers such as Allstate and State Farm, and these credits stack with bundle savings at renewal. Homes in lower-risk volcanic zones or with newer roofs may also qualify for additional underwriting credits.
- 4Compare Quotes When Your Policy Renews
Among the three carriers I analyzed in Hawaii, annual bundle premiums range from $1,539 to $2,366, a spread of $827 per year for identical coverage profiles. Taking the time to compare bundled quotes at renewal takes less than an hour and can produce savings that rival or exceed any single discount program. Carrier pricing in Hawaii can shift year to year as insurers adjust for natural hazard exposure, so a comparison that favored one carrier last year may yield a different result today.
Home and Auto Bundle Insurance in Hawaii: FAQ
Here are answers to the questions Hawaii residents ask most about bundling home and auto insurance.
Why is home insurance so expensive in Hawaii, and how does it affect bundle rates?
Hawaii home insurance is expensive primarily because of the state's geographic isolation, which drives up labor and materials costs for rebuilding, and because of natural hazard exposure including hurricane risk and volcanic activity on the Big Island. These elevated home premiums flow directly into bundle pricing, which is why Hawaii's average annual bundle cost of $1,829 across the three carriers I analyzed is well above the national average. The best homeowners insurance in Hawaii breaks down how those costs vary by island and carrier across the state's most and least exposed risk zones.
Which company has the best bundle in Hawaii for homeowners who want more coverage?
State Farm offers the best bundle for Hawaii homeowners who prioritize coverage quality, earning the highest home coverage score of 4.3/5 among all rated carriers and the highest bundled customer satisfaction score of 3.9/5. Its home policies include add-ons relevant to volcanic and wind risk that narrower policy forms may exclude. The tradeoff is State Farm's annual bundle premium of $2,366, the highest in my Hawaii analysis. The State Farm home insurance review covers how the carrier's coverage depth and claims process perform across Hawaii's high-risk markets.
Should I bundle home and auto insurance in Hawaii?
Bundling home and auto insurance in Hawaii is worth it for most policyholders. All three carriers I analyzed offer discounts between 13% and 17%, saving between $234 and $489 per year. Even the smallest discount in the state produces meaningful savings given Hawaii's elevated base premiums. Hawaii's bundle savings are competitive within the constraints of its limited carrier market, and the best home and auto insurance bundles nationally show how much more Hawaii policyholders pay compared to bundlers in lower-risk mainland markets.
Does lava flow risk in Hawaii affect home and auto bundle options?
Yes. Lava flow risk on the Big Island has led several carriers to restrict or exclude coverage in affected zones, particularly in areas like Leilani Estates and the lower Puna district following the 2018 Kilauea eruption. This reduces the number of carriers willing to write homeowners policies in those areas, which limits bundle options since you can only bundle with a carrier that covers your home. All three carriers in my Hawaii analysis were actively writing policies at the time of data collection, but availability in high-lava-risk zones should be confirmed directly with each carrier before purchasing.
How do I know if my bundle discount is actually saving me money?
The clearest way to verify your bundle savings is to get separate standalone quotes for home and auto from your current carrier and compare the total to your bundled premium. The difference is your actual savings, not just the advertised discount percentage. My data shows that a 17% discount from State Farm still produces a total bundle of $2,366, while Allstate's 13% discount produces a bundle of $1,539, so the percentage alone doesn't tell the full story. Always compare total annual premiums across all three Hawaii carriers before deciding.
Is it harder to find home and auto bundle insurance in Hawaii than in other states?
Yes. Hawaii has one of the most limited carrier markets for homeowners insurance in the country, and my analysis found only three carriers actively writing and bundling both home and auto policies in the state. Geographic isolation, lava flow risk and hurricane exposure have led many national carriers to limit or exit the Hawaii homeowners market, which directly constrains bundle options. The best homeowners insurance in Hawaii ranks carriers specifically on availability and coverage depth across the state's highest-risk zones, useful context for policyholders in areas where bundle options are most limited.
Best Home and Auto Bundle Insurance in Hawaii: Our Methodology
MoneyGeek analyzed 120 quotes across 6 Hawaii ZIP codes. Data sources include Quadrant Information Services; AM Best, J.D. Power, and the Hawaii Insurance Division. Figures are averages and actual rates vary by ZIP code, claims history, and individual profile.
Auto score breakdown: Affordability (60%): Rate quotes for multiple driver profiles. Hawaii baseline: 40-year-old, good credit, clean record, 2012 Toyota Camry LE, 50/100 full coverage, $1,000 deductible. Customer experience (30%): Google reviews, J.D. Power ratings, AM Best scores organized by state. Coverage options (10%): Range of coverage types and policy features for each provider.
Home score breakdown: Affordability (55%): Rates compared for identical coverage; discount availability evaluated. Hawaii baseline: homeowner aged 41 to 60, good credit, 2,500-sq-ft home built in 2000, $250K dwelling, $125K personal property, $200K liability, $1,000 deductible. Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews, app feedback for claims handling. Coverage options (15%): Add-on availability with attention to Hawaii-specific risks: hurricane, volcanic activity, lava flow, and high-wind coverage.
Learn more about our auto insurance methodology.
MoneyGeek's Hawaii home and auto bundle data was collected in 2025. Rates reflect quotes gathered from Quadrant Information Services for the current policy year. Scores and rankings are updated annually to reflect changes in carrier pricing, customer satisfaction data, and coverage availability in the state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!