Allstate leads Hawaii's home and auto bundle market with a MoneyGeek score of 96 and the lowest annual premium at $1,539. State Farm has the largest bundle discount at 17%. MoneyGeek's rankings weigh affordability, customer satisfaction and coverage quality, with extra weight on savings. Hawaii is one of the most expensive insurance markets in the country.
Best Cheap Home and Auto Bundle Insurance in Hawaii
Updated: April 7, 2026
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Key Takeaways
Allstate earns the highest score for home and auto bundles in Hawaii with a 96 out of 100 MoneyGeek rating. Read more.
State Farm offers Hawaii's biggest bundling discount at 17%, saving policyholders $489 per year. Read more.
Allstate's home and auto bundle costs $1,539 per year, the lowest annual premium in MoneyGeek's Hawaii analysis. Read more.
Best Home and Auto Bundle Insurance in Hawaii
| Best Overall | Allstate | $1,539 | 4.8 |
| Runner-Up | Island Insurance | $1,582 | 4.7 |
| Cheapest Bundle | Allstate | $1,539 | 4.8 |
| Biggest Discount | State Farm | $2,366 | 4.6 |
Best Home and Auto Bundle Companies in Hawaii
Allstate tops Hawaii's home and auto bundle rankings with a MoneyGeek score of 96 out of 100, offering strong local agent networks across the islands and money-saving programs like Drivewise for safe drivers. Island Insurance follows closely at 95 out of 100, bringing decades of Hawaii-focused expertise since 1939 and specialized coverage for island-specific risks like volcanic activity. Both providers offer competitive bundling discounts, but Allstate's technology features give it a slight edge over Island Insurance's deep local market knowledge.
Allstate: Best Overall in Hawaii
pros
Drivewise telematics program rewards safe driving habits with additional discounts
Top-ranked bundle provider in Hawaii with a MoneyGeek score of 96 out of 100
Bundling saves policyholders $234 per year at a 13% discount
Mobile app lets customers view and manage both home and auto policies in one convenient location
cons
Auto customer satisfaction ranks third among the three providers in MoneyGeek's analysis for Hawaii
Home insurance policies in Hawaii are typically underwritten through affiliate companies rather than Allstate directly
Auto coverage options rank second among the top providers in the state
COMPANY HIGHLIGHTS
Allstate's home and auto bundle costs $1,539 per year and earns a MoneyGeek score of 96 out of 100 (4.8 stars), the highest rating in MoneyGeek's Hawaii analysis. Bundling saves policyholders $234 per year, a 13% discount over buying each policy separately.
Allstate's Drivewise program tracks driving behavior and rewards safe habits with additional auto discounts on top of the bundle savings. Home policies in Hawaii include hurricane deductible options, which can lower costs during tropical storm season, a practical feature in a state where hurricane risk drives up home insurance premiums. Allstate's claims history with weather-related losses makes it a practical choice for Hawaii homeowners.
The Allstate mobile app lets bundled policyholders file claims, track repairs and manage both policies from one place.
Island Insurance: Runner-Up Bundle in Hawaii
pros
Island provides specialized coverage for Hawaii-specific risks, including volcanic activity and tropical storms
Runner-up bundle provider in Hawaii with a MoneyGeek score of 95 out of 100
Policyholders save $240 per year by bundling home and auto, at a 13% discount
Local claims adjusters throughout the Hawaiian islands provide faster response times and better understanding of island-specific damage
cons
Home coverage options rank last among Hawaii's top three bundle providers in MoneyGeek's analysis
Home customer experience scores lowest relative to competitors in the study
Annual bundle premium of $1,582 falls in the middle range among Hawaii's leading providers
COMPANY HIGHLIGHTS
Island's home and auto bundle costs $1,582 per year, earning a MoneyGeek score of 95 out of 100 (4.7 stars), second in MoneyGeek's Hawaii analysis. Policyholders save $240 per year through a 13% bundle discount, one point behind Allstate's score.
As Hawaii's largest locally based insurer, Island Insurance covers risks that many mainland carriers don't, including volcanic activity, hurricanes and high construction costs that push up home insurance premiums. It ranks first among the top three providers for auto coverage options and auto customer satisfaction. Its local market knowledge lets it offer coverage that national insurers often don't.
Island's local agents can adjust coverage as Hawaii's conditions change, a practical advantage over national carriers who apply one-size-fits-all underwriting.
Cheapest Home and Auto Bundle in Hawaii
Allstate is Hawaii's most affordable and highest-rated home and auto bundle option at $1,539 per year, earning a MoneyGeek score of 96 out of 100. State Farm has the biggest discount at 17%, saving policyholders $489 per year, but its bundled premium of $2,366 is the most expensive in MoneyGeek's analysis. A larger discount doesn't guarantee a lower total bill. Homeowners who want both low cost and strong performance should look at Allstate first.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| Allstate | $1,539 | $234 |
| Island Insurance | $1,582 | $240 |
| State Farm | $2,366 | $489 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Hawaii
State Farm has Hawaii's largest bundle discount at 17%, saving policyholders $489 per year. Allstate is second at 13%, worth $234 in annual savings. The biggest discount doesn't guarantee the lowest premium. State Farm's bundled rate of $2,366 per year is the most expensive in MoneyGeek's analysis, while Allstate's $1,539 is the lowest.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 17% | $489 | $2,366 |
| Allstate | 13% | $234 | $1,539 |
| Island Insurance | 13% | $240 | $1,582 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
How to Get Cheap Home and Auto Bundle Insurance in Hawaii
Hawaii homeowners can lower their bundle premiums by adjusting coverage levels and using available discounts. Insurance costs in Hawaii run higher than in most states because of natural disaster exposure and geographic isolation. These strategies work best for cutting bundle costs:
Choose a higher deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium significantly. You'll pay more out-of-pocket if you file a claim, so ensure you have adequate cash reserves before making this change.
Try a telematics auto program
State Farm's Drive Safe & Save and GEICO's DriveEasy track your driving habits and offer discounts for safe behaviors. These programs can provide additional savings that stack on top of your bundle discount.
Upgrade your hurricane protection
Installing hurricane straps, impact-resistant windows and reinforced roofing can qualify for premium discounts in Hawaii. These home hardening improvements stack with your bundle savings while protecting against tropical storms.
Maintain good credit
Hawaii allows insurers to use credit-based insurance scoring for both home and auto coverage. Keeping your credit score strong can lower both premiums when your policies renew each year.
Home and Auto Bundle Insurance in Hawaii: FAQ
Do Hawaii's regional risks affect bundle insurance rates?
Yes. Hurricane risk is the leading factor behind higher home insurance premiums in Hawaii, which pushes up the cost of bundling home and auto coverage. Insurers consider wind zones, coastal proximity and storm-surge potential when pricing policies; oceanfront properties in high-wind areas pay the steepest rates. Installing hurricane shutters and reinforcing roof attachments can help offset those increases.
Which company has the best bundle in Hawaii for homeowners who want more coverage?
State Farm leads Hawaii's homeowners insurance market for coverage options with a MoneyGeek score of 92. It offers distinctive add-ons, including equipment breakdown protection for appliances, service line coverage for utility repairs and disappearing deductibles for claim-free years. Allstate scores higher overall at 96, making it the better pick for homeowners who want both strong coverage and high service scores.
Should I bundle home and auto insurance in Hawaii?
Yes. Every provider in MoneyGeek's Hawaii analysis saves policyholders money through bundling, a reliable way to cut costs in Hawaii's expensive insurance market. Combining policies also simplifies billing and renewals. Compare bundled rates against separate quotes before committing to make sure you're getting the best deal.
Best Cheap Home and Auto Bundle Insurance in Hawaii: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Hawaii Insurance Division, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Baseline driver: 40-year-old driver with good credit, driving a 2021 Toyota Camry; 50/100 full coverage, $1,000 deductible
- Baseline home: Dwelling: $250,000; personal property: $125,000; liability: $200,000
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.