Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Hawaii homeowners insurance: what you need to know

The average cost of home insurance in Hawaii is $442 per year or $37 per month.  While this is much less than the national average, you can save even more in Hawaii by gathering quotes from as many insurance providers as possible.

There are major differences in homeowners insurance rates on a state-by-state basis. Policy prices in states may vary based on the total number and value of homeowners claims filed in that particular state, and depend on the value of the belongings and structures covered by the policy. 

Learn more about average home insurance rates in Hawaii by referencing the below data tables. And remember: your rates may vary, depending on your coverage limits.


Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage


The cheapest home insurance companies in Hawaii

Homeowners insurance rates in Hawaii differ based on the insurance company you choose. Allstate provides the lowest-cost homeowners policies in Hawaii, at just $272 annually. This is less than Hawaii's average cost of $442, providing a $171 discount on rates typical to the state.

Start looking for a home insurance policy by reviewing the cheapest Hawaii insurance companies, listed below. Then, see our list discussing which home insurance carriers rank best for customer satisfaction


Insurance Company Average Yearly Rate in Hawaii
Allstate $272
Universal Insurance $322
Liberty Mutual $419
First Insurance $428
State Farm $474


Hawaii home insurance prices by coverage levels

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Hawaii, maintaining $100K dwelling coverage costs an average of $223 per year, while carrying dwelling coverage up to $400K costs $590/year.


Coverage Level Average Annual Cost
$100,000 Dwelling $223
$200,000 Dwelling $303
$250,000 Dwelling $370
$400,000 Dwelling $590


Homeowners insurance deductibles in Hawaii

Among the options homeowners face when shopping for coverage is how high or low to set their deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you choose to set your homeowners deductible is linked to how much you will pay for insurance.

A good rule of thumb is: the lower your deductible, the higher your premium will be. As such, if you want lower insurance rates, aim for a higher deductible. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below are some standard deductibles offered on most home policies and their corresponding average insurance premiums.

Deductible Tier Average Annual Homeowners Insurance Rate
$500 $417
$1,000 $370
$1,500 $362
$2,000 $343
$5,000 $301


Hawaii homeowners insurance costs by city

Not every city in Hawaii has equal homeowners insurance rates. Pricing may depend on locally specific variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest homeowners insurance in Hawaii is available in Honolulu. The average homeowners insurance policy in Honolulu costs just $425 per year — $17 less than the average policy in other Hawaii cities. The below cities boast the most affordable home insurance in Hawaii.

City Average 12-Month Home Insurance Rate
Honolulu $425
Ewa Beach $427
Royal Kunia $427
Halawa $427
Schofield Barracks $427


Seeking info on home insurance in a bigger city? Check out our data-driven analyses of Honolulu.


Home and auto insurance bundling in Hawaii

If you want to save, consider carrying your home and auto policies with the same insurance company. Bundling auto and home insurance in Hawaii can save you a decent amount each month on car insurance. In fact, bundling policies in Hawaii leads to average annual savings of $62.


Avg. Annual Rate (No Bundle)
Avg. Annual Rate (w/ Bundle)
Annual Savings ($)
Annual Savings (%)



Hawaii homeowners insurance FAQs


Are homeowners insured against lava damage in Hawaii?

Lava insurance coverage varies by company. If you live in a high-risk area, it's likely you will need to add lava coverage. Double-check your policy for confirmation.

Is it illegal to not have home insurance in Hawaii?

Although it's not illegal to forgo coverage, you may be required to carry coverage if you have a mortgage. Otherwise, there is no state law requiring home insurance in Hawaii.



Natural disaster coverage in Hawaii


Does homeowners insurance cover earthquakes in Hawaii?

Hawaii faces an estimated 33 earthquakes every year. Residents of The Aloha State should consider adding earthquake insurance.1 This type of protection is not a regular feature in most insurance policies. Earthquake coverage comes in the form of a scheduled endorsement to your current policy, covering losses that result from land movement.

Aftershocks are another serious concern when it comes to earthquakes. An aftershock can be quite powerful, and often continue causing damage long after the initial event. Fortunately, having this coverage means that you pay only one deductible for losses that results from the initial seismic event as well as all related aftershocks that happen within a period of 72 hours.

For those who live in regions known for earthquakes, you can expect that your homeowners insurance rates will be more expensive. This is especially true in areas with the highest probability of a quake. While most typical insurance companies don’t offer earthquake coverage, options exist in seismically-active states. Companies in Hawaii sometimes offer endorsements that can cover earthquake damage. Bear in mind, deductibles for earthquakes are typically higher than for standard perils listed in your homeowners policy. In Hawaii, you can expect to pay an additional $122 per year for an earthquake insurance endorsement.

Below you can find a list of the best earthquake insurance options in Hawaii. These figures should be treated as estimates — seek out one of the companies for rates specific to your property.


Company Average Annual Rate w/ Earthquake Endorsement
Universal $253
Allstate $340
Ocean Harbor $385
American International $424
Liberty Mutual $439


Does homeowners insurance cover flood damage in Hawaii?

Flood damage— no matter the circumstances under which it occurs —is not covered by homeowners insurance policies. To ensure your home is covered, you should buy flood coverage from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250, 000 structural coverage
  • $100, 000 personal property coverage

Flood insurance is especially important in Hawaii, which suffered $821,843 in 2016 flood insurance claims, according to data from FEMA.2 If the value of your personal property and home exceeds these coverage limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.




1United States Geological Survey

2Federal Emergency Management Agency (FEMA)



Find an affordable homeowners policy in Hawaii today!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.