Hawaii's average home insurance premium costs $50 monthly or $600 annually. That's 83% cheaper than the national average, saving residents about $239 each month. Hawaii ranks as the least expensive state for home insurance coverage.
Average Home Insurance Cost in Hawaii (2026)
Updated: January 7, 2026
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Key Takeaways: Hawaii Home Insurance Rates
Hawaii ranks as the 51st most expensive state for home insurance, with coverage costing $50 monthly or $600 annually.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in Hawaii for your budget.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without providing any personal information.
How Much Is Home Insurance in Hawaii?
| Hawaii | $601 | $3,467 | -83% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 09, 2026
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What Affects Average Hawaii Home Insurance Costs?
Home insurance costs in Hawaii vary based on multiple factors. Your location, coverage limits, home construction materials, insurance company and claims history all play a role in determining your premium. Let's examine how each of these factors specifically impacts what you'll pay for coverage.
Average Cost of Hawaii Home Insurance by Company
Premium differences between Hawaii insurers can save or cost you over $1,000 annually. The least expensive carrier, DB Insurance, charges just $272 per year, while at the high end, Hawaiian Insurance and Guaranty Company's $1,378 annual rate runs more than five times higher than the cheapest option.
| DB Insurance | $23 | $272 |
| RLI | $32 | $384 |
| State Farm | $36 | $433 |
| AIG Insurance | $43 | $519 |
| Island Insurance | $45 | $544 |
| Allstate | $51 | $608 |
| First Insurance Company of Hawaii | $56 | $666 |
| Hawaiian Insurance and Guaranty Company | $115 | $1,378 |
Average Hawaii Home Insurance Cost by City
Home insurance costs change from city to city across Hawaii. Property values, building age and regional weather risks push premiums up or down depending on where you live. You'll see different rates in each area.
| Honolulu | $50 | $599 |
| Kailua | $50 | $599 |
| Kilauea | $50 | $604 |
| Laupahoehoe | $50 | $604 |
Average Hawaii Homeowners Insurance Pricing by Coverage Level
Your coverage selections create substantial premium differences in Hawaii. Annual costs range from $360 for minimal $100K dwelling protection to $2,416 for extensive $1M dwelling coverage. A typical $250K dwelling policy costs $601 per year, while stepping up to $500K dwelling coverage increases the price to $1,207. Each coverage tier adjustment affects your premium proportionally.
| $100K Dwelling / $50K Personal Property / $100K Liability | $30 | $360 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $50 | $601 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $101 | $1,207 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $152 | $1,828 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $201 | $2,416 |
Hawaii Homeowners Insurance Costs by House Age
Older Hawaii homes carry higher insurance costs than newer construction. A 1980-built home costs $632 annually to insure compared to $425 for a 2020-built property. That's a $207 yearly difference, with newer homes costing about one-third less.
| Newer | $35 | $425 |
| Middle Age | $50 | $601 |
| Older | $53 | $632 |
Why Is Home Insurance So Affordable in Hawaii?
Hawaii ranks as the least expensive state for home insurance even with serious natural disaster risks. The state's unique regulatory environment, competitive market and geographic factors keep premiums low.
Limited Hurricane Claims History
While Hawaii has hurricane threats, direct major hurricane strikes occur less often than in Gulf Coast and Atlantic states. According to NOAA's Historical Hurricane Tracker, Hawaii has experienced only six direct hurricane hits since 1950, with the most recent being Hurricane Hone in 2024. This limited claims history keeps loss ratios lower for insurers operating in Hawaii.
Concrete and Masonry Construction Standards
Hawaii's building codes mandate concrete or masonry construction for most residential properties, creating more wind-resistant structures than wood-frame homes common in mainland states. The Hawaii State Building Code requires structures to withstand 130 mph wind speeds depending on island location. These robust construction standards reduce damage severity during tropical systems, lowering claim costs for insurers.
Limited Tornado and Hail Activity
Unlike mainland states, Hawaii experiences virtually no tornadoes and minimal hail damage. The National Weather Service reports that Hawaii averages less than one tornado annually, and severe hail events are extremely rare due to the tropical climate. This absence of common mainland perils reduces Hawaii insurers' overall loss exposure.
Tips to Save on Hawaii Home Insurance
Hawaii homeowners pay rising insurance costs, making it essential to find cheapest home insurance in Hawaii options. These proven strategies help you lower premiums whether you're buying your first home or reducing current expenses.
- 1Determine Your Coverage Needs
Base your dwelling coverage on reconstruction costs, not your home's market value. Inventory your belongings to determine appropriate personal property limits. Consider earthquake coverage for volcanic areas, and evaluate water backup protection given the islands' heavy rainfall. Honolulu's elevated building costs may require increased replacement cost coverage beyond standard policy limits.
- 2Compare Rates and Discounts
MoneyGeek's Hawaii home insurance calculator provides quick cost estimates based on your property details. Request quotes from multiple insurers and ask specifically about available discounts. Security systems, hurricane shutters, newer construction and claim-free histories often qualify for rate reductions. Protective devices prove especially valuable in Maui County, where hurricane exposure creates higher baseline premiums.
- 3Get Quotes from Several Providers
Gather quotes from at least three different insurance companies. Premium cost matters, but also evaluate claims processing speed, customer satisfaction ratings and financial strength scores. Lower prices sometimes mask poor service quality, which becomes costly during Hawaii's natural disaster claims. A company's reputation for handling weather-related damage claims deserves serious consideration.
- 4Bundle Your Home and Auto Policies
Pairing home and auto policies with the same carrier can qualify you for discounts ranging from 10% to 25% annually. This strategy works well for Big Island residents who deal with limited insurer availability but can maximize savings through multi-policy approaches. Most carriers offer bundle pricing, and the combined discount often beats what you'd get by comparing rates separately for each policy type.
Calculate Hawaii Homeowners Insurance Costs: FAQ
Homeowners insurance costs in Hawaii differ based on your home's location, age, and coverage needs. The following FAQs help you understand pricing factors and estimate what you might pay for coverage.
Does Hawaii home insurance cover lava damage from volcanic eruptions?
Standard home insurance policies in Hawaii exclude lava flow damage. You'll need separate volcanic eruption or lava flow coverage, usually available through the Hawaii Property Insurance Association (HPIA). This specialized coverage costs more than standard policies and comes with restrictions on proximity to active volcanic zones.
How much can I save by choosing a different insurer in Hawaii?
Shopping around for home insurance in Hawaii can save you thousands annually. The cheapest provider, DB Insurance, averages just $272 per year, while Hawaiian Insurance and Guaranty Company charges $1,378 for similar coverage.
Mid-tier insurers also show large price gaps. AIG costs $519 annually compared to Island Insurance at $544, creating a $25 yearly difference. These variations exist even when coverage levels remain comparable. Compare quotes from at least three insurers to find the best rate for your situation.
How does my home's distance from the coast affect insurance rates in Hawaii?
Coastal proximity impacts your Hawaii home insurance premium. Properties within 1,000 feet of the ocean get higher rates due to increased hurricane, storm surge and saltwater damage risks. Insurers may require additional wind coverage or higher deductibles for beachfront homes. Inland properties generally qualify for lower premiums with reduced exposure to tropical storm impacts.
Why does home insurance cost more for older homes in Hawaii?
Home insurance for older properties in Hawaii costs about 48% more than coverage for newer homes. Older homes average $632 annually while newer properties cost around $425, creating a $207 yearly difference. Middle-aged homes fall between these extremes at $601 per year.
Insurers charge higher premiums for older homes because aging components create greater risk. Electrical wiring, plumbing systems and roofing materials deteriorate over time, making breakdowns and water damage more likely. Hawaii's tropical climate accelerates this wear, causing wood rot, metal corrosion and foundation settling that newer homes haven't experienced yet.
How can I lower my home insurance costs in Hawaii?
You can lower your Hawaii home insurance costs using several effective strategies. Since rates can vary by thousands of dollars between insurers for identical coverage, comparing quotes is important. Maintaining a claim-free record for five years saves you $96 annually compared to having one claim and $176 versus having two claims in the past five years.
Raising your deductible from $500 to $1,000 reduces your annual premium by $44. While you'll pay more upfront when filing a claim, these yearly savings accumulate over time. Contact insurers about available discounts for bundling multiple policies, installing security systems or owning newer homes. Even modest discounts can meaningfully lower your annual costs, making these strategies worth pursuing for long-term savings.
How We Analyzed Hawaii Home Insurance Rates
MoneyGeek calculated Hawaii home insurance estimates using real premium data from multiple insurers. This approach shows how specific factors affect what homeowners actually pay for coverage.
Our calculations use a standard homeowner profile: $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and a $1,000 deductible. The analysis assumes a home built in 2000 with frame construction, a composition roof and no claims filed in the past five years.
This profile represents typical Hawaii homeowners and reflects median home values across many state markets. The 2000 construction year captures the most common home age category in Hawaii, making comparisons more relevant for most residents.
We isolated each factor's impact by changing one variable while keeping all others identical. For example, when testing how construction year affects rates, we compared homes built in 1980, 2000 and 2020 with otherwise identical coverage and characteristics.
Your actual premiums will differ based on your home's specific features, location, coverage choices, claims history, credit score and chosen insurer. The rate differences shown here demonstrate how much individual factors can influence your final premium when shopping for Hawaii home insurance.
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.
sources
- National Weather Service. "Hawaii Tornadoes." Accessed January 9, 2026.
- Hawaii Attorney General’s office. "Hawaii State Building Code ." Accessed January 9, 2026.