Best and Cheapest Home and Auto Bundle Companies in Hawaii (2024)

MoneyGeek ranked insurance companies based on several factors, including affordability, customer satisfaction, discounts, ratings from third-party agencies and available coverages. The top two auto and home insurance companies in Hawaii for bundle policies are:

• State Farm: MoneyGeek score of 85 out of 100
• Allstate: MoneyGeek score of 77 out of 100

MoneyGeek rates State Farm as the best company for home and auto bundles because they offer the best value without sacrificing quality or service. Although Allstate is not the cheapest option, they do provide good coverage at a fair price with great customer service to back it up.

On average, a home and auto bundle in Hawaii costs $1,306, which is $88 or 6% less than the cost of purchasing separate policies. MoneyGeek’s research found that State Farm has the highest discount rate at 9%, whereas Allstate has the lowest discount rate at 4%.

Although State Farm offers the highest discount rate and lowest average premium cost, this isn’t always the case. Sometimes, a company that offers a high discount will still cost more than its competitors. Because of this, you should always look at a company’s total cost and discount rate before picking the one that’s right for you.

According to our research, the cheapest home and auto bundle companies in Hawaii are:

• State Farm: $1,264 per year
• Allstate: $1,349 per year

Depending on your needs, it’s important to remember that the cheapest company may not be able to provide you with sufficient coverage. MoneyGeek recommends that you research and review each company’s coverage plans, pros and cons before signing up for a policy.

Bundling home insurance with auto insurance can help you save money. Sometimes, however, non-bundle insurance combinations may be just as cost-effective while allowing you more flexibility in your coverage options.

Based on MoneyGeek’s research, the cheapest non-bundle option in Hawaii is auto insurance from State Farm ($909) and home insurance from Allstate ($238) for a total premium cost of ($1,147). This is less expensive than the cheapest bundle insurance plan in Hawaii, offered by State Farm for $1,264 per year.

In Hawaii, it may be more expensive to bundle home and auto insurance than to purchase separate policies from different insurance providers. However, purchasing insurance under one provider has advantages other than cost. With a bundle insurance policy, you can save time, since managing your account and making payments is often easier through a single insurer.