Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Hawaii Average homeowners insurance cost in Hawaii Homeowners insurance in Hawaii costs $593 per year or $49 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Hawaii costs an average of $593 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Hawaii by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $593 a year, based on our analysis.Of all the ZIP codes in Hawaii, 96813 has the most affordable home insurance rates at around $590 annually.In Hawaii, Universal Insurance Co provides the most affordable home insurance at an average annual premium of $385. Average home insurance cost in Hawaii by coverage levelHomeowners insurance costs $593 a year in Hawaii for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Hawaii will increase to $395 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Hawaii for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$441$37200000 with 1000 Deductible and 300000 Liability and None Deductible$461$38300000 with 1000 Deductible and 100000 Liability and None Deductible$593$49300000 with 1000 Deductible and 300000 Liability and None Deductible$613$51400000 with 1000 Deductible and 100000 Liability and None Deductible$771$64400000 with 1000 Deductible and 300000 Liability and None Deductible$791$66600000 with 1000 Deductible and 100000 Liability and None Deductible$1,134$95600000 with 1000 Deductible and 300000 Liability and None Deductible$1,154$961000000 with 1000 Deductible and 100000 Liability and None Deductible$1,811$1511000000 with 1000 Deductible and 300000 Liability and None Deductible$1,831$153Homeowners insurance companies in Hawaii determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in HawaiiIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Hawaii using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Hawaii. Based on the analysis, State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreState Farm$395A++0.955Dongbu Insurance$464A0.684.77AIG$606A0.094.64Allstate$516A+0.94.63Universal Insurance Co$385A-3.453.81Average homeowners insurance cost by company in HawaiiUniversal Insurance Co provides the most affordable homeowners insurance in Hawaii, with an average annual premium of $385. State Farm and Dongbu Insurance also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Hawaii with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateUniversal Insurance Co$385$32State Farm$395$33Dongbu Insurance$464$39Allstate$516$43AIG$606$51Island Insurance$649$54Tokio Marine Holdings$652$54RLI Insurance$773$64Ocean Harbor$898$75Hawaii homeowners insurance rates by ZIP codeIn Hawaii, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Hawaii. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in HawaiiHomeowners insurance costs in Hawaii can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 96813 area has the most affordable insurance rates, at $590 annually or $49 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Hawaii.ZIP codeAverage annual rateAverage monthly rate96813$590$4996701$593$4996703$594$4996763$596$50Most expensive ZIP codes for home insurance rates in HawaiiYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Hawaii, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.96763 has the most expensive homeowners insurance rates in Hawaii at an average annual cost of $596.Below, we’ve highlighted some of the most expensive ZIP codes in Hawaii for home insurance:ZIP codeAverage annual rateAverage monthly rate96763$596$5096796$594$4996898$593$4996859$590$49Home insurance rate trend in HawaiiWe analyzed home insurance rate trends in Hawaii and found that homeowners insurance rates experienced an overall increase of 6% or $31, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$477$562$593To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Hawaii.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Hawaii Average renters insurance cost in Hawaii Average car insurance cost in Hawaii Non-owner car insurance in Hawaii How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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