Home insurance in Hawaii costs about $41 monthly or $496 annually. Residents pay $179 less per month, or $2,139 less annually, than the national average, making it the most affordable state in the country.
Average Home Insurance Cost in Hawaii
Updated: November 10, 2025
Advertising & Editorial Disclosure
Get Free Hawaii Home Insurance Estimates
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
$220
High
$144
Average
$104
Low
Rates updated:
Dec 06, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Key Takeaways
Home insurance costs in Hawaii range from $330 to $1,486 per year, depending on various factors.
Hawaii's home insurance premiums are the most affordable in the country, at 81% below the national average.
To find the best home insurance in Hawaii, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much Is Home Insurance in Hawaii?
| Hawaii Average | $41 | $496 | -81% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Hawaii?
Home insurance is expensive in Hawaii because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail.
Rising Claims
Home insurance prices may increase as the number of claims rises. More claims suggest a higher risk of payouts, leading insurers to raise premiums to cover potential losses.
High Weather Risks
Areas with greater exposure to severe weather, such as hurricanes or wildfires, often face higher home insurance costs due to the increased likelihood of damage-related claims.
Rising Material and Labor Costs
When the cost of building materials and labor goes up, home repairs become more expensive. Insurance companies may raise premiums to offset these higher potential claim costs.
State Insurance Laws
State regulations can affect insurance costs. Mandates for specific coverage or benefits can lead to higher premiums as insurers comply with these legal requirements.
What Affects Hawaii Home Insurance Costs?
Home insurance rates, like in most states, are influenced by several factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We've highlighted below how much each factor affects rates specific to Hawaii.
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Hawaii home insurance rates, averaging from $277 to $2,210 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $23 | $277 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $184 | $2,210 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Hawaii homeowners insurance rates, averaging from $23 to $41 per month. Older homes with standard materials cost more to replace and face higher damage risk, increasing premiums.
| Lowest | New | Superior | Composition | $23 | $281 |
| Lowest | New | Superior | Shake-Treated | $23 | $281 |
| Lowest | New | Superior | Tile | $23 | $281 |
| Highest | Old | Frame | Shake-Treated | $41 | $496 |
| Highest | Old | Frame | Tile | $41 | $496 |
| Highest | Old | Frame | Composition | $41 | $496 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
The insurer you choose ranks fourth in affecting Hawaii home insurance rates, with prices ranging from 48% below to 74% above the state average.
| Lowest | DB Insurance | $21 | $256 |
| Highest | Hawaiian Insurance and Guaranty Company | $72 | $862 |
How Much Does Claims History Affect Home Insurance Costs?
Claims history affects Hawaii homeowners insurance rates less than other factors, changing premiums by up to 4% or $39 annually. Filing more claims increases risk, raising your rate.
| Lowest | Claim free for 5+ years | $41 | $496 |
| Highest | 2 claims in past 5 years | $45 | $535 |
Tips to Save on Hawaii Home Insurance
Use these tips to get the best and cheapest home insurance in Hawaii.
- 1Determine Your Coverage Needs
Know how much home insurance you need before shopping to avoid being oversold by agents. Consider add-ons to protect valuable items beyond standard coverage.
- 2Research Costs and Discounts
Understand average costs for your home and area before comparing quotes. Ask agents about all available discounts; insurers don't always apply them automatically.
- 3Compare Multiple Providers Through Different Channels
Compare multiple insurers to find the best coverage for your needs. Use online comparison sites, brokers, provider websites and agents, as quotes vary across channels.
- 5Reduce Your Risk Profile
Add storm shutters or home security systems to lower premiums. Improving your credit score helps too; moving from fair to good credit saves 28% on average.
- 6Check State Programs
State programs can help you secure affordable coverage if traditional insurance isn't an option.
Hawaii Home Insurance Calculator: Bottom Line
Location and coverage level have the greatest impact on Hawaii home insurance costs. For the best rates, research your needs and average prices before comparing quotes.
Homeowners Insurance Calculator Hawaii: FAQ
The cost of homeowners insurance in Hawaii depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Hawaii?
Hawaii's average monthly home insurance cost is $41 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Hawaii Home Insurance Estimates
When determining the average cost of home insurance in Hawaii, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.