Home Insurance in Hawaii: 2026 Rates & Guide
Hawaii is one of the cheapest states for home insurance. The average homeowner pays $45/month ($540/year). Here's how to find the best rate for your home.
$45
$540
#50
1=priciest
$38
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Cheapest Home Insurance Companies in Hawaii (2026)
Rates below are estimates for a $300,000 home with $100,000 personal property coverage and a $1,000 deductible.
Top home insurers in Hawaii — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestState Farm | $38/mo | 4.4 | Get Quote |
| 2 | Allstate | $44/mo | 4 | Get Quote |
| 3 | First Insurance (FIHC) | $42/mo | 4.2 | Get Quote |
| 4 | Liberty Mutual | $48/mo | 3.9 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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Natural Disaster Risk in Hawaii
Risk Level: Low-moderate — volcanic activity (Big Island), tsunamis, hurricanes
Standard HO-3 policies cover wind damage but exclude flood and earthquake. Separate policies may be needed depending on your location within Hawaii.
Coverage Requirements
No state minimum — lenders require dwelling coverage equal to rebuild cost
Hawaii Home Insurance Requirements
- •No mandatory home insurance law in Hawaii
- •Hurricane coverage is a separate policy or rider in Hawaii
- •Lava and volcanic damage often excluded — FAIR Plan available for high-risk zones
Hawaii Home Insurance Facts
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How to Get Cheaper Home Insurance in Hawaii
Bundle home + auto insurance
Multi-policy discounts average 15–25% at most major insurers — the single easiest saving.
Raise your deductible
Going from $500 to $1,000 or $2,500 deductible typically saves 10–20% on annual premiums.
Install security & safety devices
Smoke detectors, burglar alarms, and deadbolts can reduce premiums by 5–15%.
Upgrade your roof
Impact-resistant roofing (Class 4) can save $300–$1,500/year in storm-prone states like Kansas and Texas.
Compare quotes annually
Home insurance rates vary by 40–60% between companies. Shopping at renewal every year locks in the best rate.
Review your coverage limits
Over-insuring your land (which can't burn down) or under-insuring your possessions are both costly mistakes. Get a home inventory done.
Home Insurance in Hawaii — FAQs
What is the average cost of home insurance in Hawaii?
Is home insurance required in Hawaii?
What does home insurance cover in Hawaii?
What natural disasters affect home insurance in Hawaii?
How can I lower my home insurance in Hawaii?
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