Average Cost of Homeowners Insurance in Hawaii (2025)

In Hawaii, the average cost of homeowners insurance in 2024 is $454. This is notably less than the national average of $2,423. Aside from the amount of coverage you get on your home, the insurance provider has the largest impact on premiums. The difference between the lowest and highest premium amounts averages $547.

If your rates have recently increased, our analysis of the cheapest policies in Hawaii may offer more affordable options. Remember, the insurance provider can significantly affect your premium costs.

Hawaii's average homeowners insurance premium is $454 annually, $1,969 less than the national average of $2,423.

Your policy should provide sufficient coverage to rebuild your home and replace belongings after a loss. Coverage amounts affect premiums. A policy with $100,000 in dwelling coverage costs $271 annually, while a larger home requiring $ 500,000 in dwelling coverage costs $911 per year.

Homeowners insurance premiums in Hawaii vary widely among providers for comparable coverage. DB Insurance offers a policy at $256 annually, while Hawaiian Insurance and Guaranty Company charges $735.

For those seeking quality insurance options, there are plenty of high-quality insurance providers in Hawaii in Hawaii. Underwriting practices, risk assessments and regional factors explain these premium differences.

The type of roof on your home influences your homeowners insurance premium, albeit to a lesser extent than coverage amount and claims history. In Hawaii, homes with composition roofing, a cost-effective option, do not see a variation in premiums due to roof type, with the average premium remaining at $454.

Construction materials influence costs. Superior construction materials, known for their resistance to certain perils, such as fire, can lead to lower insurance rates. However, in Hawaii, the difference in premiums between homes with superior construction and those with standard frame construction is relatively modest, with superior construction averaging $381 in premiums compared to $454 for frame construction.

Use the dropdowns on the table below to see how premiums change based on your home's materials.

New homes in Hawaii cost $309 annually to insure, compared to $454 for existing homes. Modern materials and current building codes reduce premiums by enhancing safety and durability.

Hawaii homeowners who have been claim-free for five or more years pay an average annual premium of $454 for their insurance. In comparison, those with one claim in the past five years see an average increase of $24, bringing their premium to $478. Homeowners with two claims within the same timeframe face a further increase, with an average annual premium of $492, which is $38 above the baseline average. These figures illustrate the financial benefit of maintaining a claim-free record.

Getting a handle on homeowners insurance costs in Hawaii is within your reach. By exploring your options and understanding the market, you can find a policy that fits your budget. Here's how to find the best deal.

Hawaii homeowners save money by bundling their home and auto insurance policies. MoneyGeek's analysis shows average savings range from $58 to $118 (about 6%) and lower combined premiums. This multipolicy approach not only simplifies your insurance management but also trims down the combined cost of your premiums.

Hawaii offers several homeowners insurance discounts:

• Loyalty discounts: For long-term policyholders
• Protective devices: Smoke detectors or security systems
• Claims-free discounts: No recent insurance claims

Ask about available discounts when getting quotes to find substantial savings.

Use the resources below to find affordable coverage or calculate potential costs.

• Hawaii Department of Commerce and Consumer Affairs: Official state resource for insurance regulations
• Affordable Home Insurance in Hawaii: Find cost-effective options for your home.
• Hawaii Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in Hawaii: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.