Best and Cheapest Home Insurance Companies in Hawaii (2026)
DB Insurance typically has the cheapest homeowners insurance in Hawaii, at $313/yr, on average. | ||
Home insurance in Hawaii costs an average of $801/yr, making it the cheapest state for home insurance in the U.S. | ||
There's a very small difference between the most and least expensive cities in Hawaii. In most other states, rates can vary by thousands of dollars. |
DB Insurance typically has the cheapest homeowners insurance in Hawaii, at $313/yr, on average. | ||
Home insurance in Hawaii costs an average of $801/yr, which makes it the cheapest state for home insurance in the U.S. |
Find Cheap Home Insurance Quotes in Hawaii
Who has the best cheap home insurance in Hawaii?
Who has the cheapest home insurance in Hawaii?
DB Insurance has the cheapest home insurance rates in Hawaii.
Find Cheap Home Insurance Quotes in Hawaii
- DB Insurance has home insurance rates that are 58% to 61% less than average, across multiple levels of coverage. So no matter what the value of your home is, DB insurance is usually a good deal.
- State Farm is also a good deal, with rates 15% to 48% cheaper than average. Unlike DB Insurance, you can compare rates from State Farm online. So it may be the best choice for you if you're looking to buy a policy quickly.
Cheap homeowners insurance in Hawaii by coverage amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| DB Insurance | 3.3 out of 5 | $200 |
| Allstate | 3.5 out of 5 | $374 | |
| Island Insurance | 2.0 out of 5 | $402 |
| RLI | 3.5 out of 5 | $416 |
| State Farm | 3.5 out of 5 | $424 | |
| AIG | 4.3 out of 5 | $431 |
| First Insurance Company of Hawaii | 1.5 out of 5 | $549 |
| Ocean Harbor | 2.5 out of 5 | $1,216 |
Key takeaways
Best home insurance in HI overall: State Farm
-
Annual cost$544Average rate for a $350,000 home
-
Monthly cost$45Average rate for a $350,000 home
-
Customer complaints Average
Best for cheap home insurance in HI: DB Insurance
-
Annual cost$313Average rate for a $350,000 home
-
Monthly cost$26Average rate for a $350,000 home
-
Customer complaints Average
Best for flood coverage in Hawaii: Allstate
-
Annual cost$622Average rate for a $350,000 home
-
Monthly cost$52Average rate for a $350,000 home
-
Customer complaints Average
Best for military families: USAA
Top-rated home insurance companies in Hawaii
AIG has the best-rated home insurance in Hawaii because it offers the best mix of reliable customer service and excellent coverage add-ons.
RLI and State Farm are also good choices, with affordable rates and moderate customer complaints.
Company |
Rating
|
Complaints
|
|---|---|---|
| AIG | 4.3 out of 5 | Low |
| RLI | 3.5 out of 5 | Low |
| State Farm | 3.5 out of 5 | Average |
| Allstate | 3.5 out of 5 | High |
| DB Insurance | 3.3 out of 5 | Average |
| Ocean Harbor | 2.5 out of 5 | Low |
| Island Insurance | 2.0 out of 5 | Average |
| First Insurance Company of Hawaii | 1.5 out of 5 | Low |
How much does home insurance cost in Hawaii?
Home insurance in Hawaii costs an average of $801 per year.
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $501 |
| $350,000 | $801 |
| $500,000 | $1,145 |
| $1,000,000 | $2,269 |
Hawaii has the cheapest home insurance in the country. Its rates are about 67% less than the national average of $2,395 per year.
However, Hawaii homeowners may need to buy additional types of insurance such as earthquake insurance or flood insurance for hurricanes. This adds to the overall insurance costs for Hawaiians.
Home insurance rates by Hawaiian city
Home insurance rates in Hawaii are mostly flat across the islands, no matter the city.
For instance, home insurance in Honolulu costs $799 per year for $350,000 in dwelling coverage. That makes Honolulu one of the cheapest cities in Hawaii for home insurance.
It's slightly more expensive to get home insurance in Hilo than in Honolulu. Home insurance in Hilo costs $803 per year, which is the most expensive average rate in the islands.
Average cost of home insurance in Hawaii by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Ahuimanu | $799 | DB Insurance | $313 |
| Aiea | $799 | DB Insurance | $313 |
| Ainaloa | $803 | DB Insurance | $313 |
| Anahola | $803 | DB Insurance | $313 |
| Camp H M Smith | $799 | DB Insurance | $313 |
| Captain Cook | $803 | DB Insurance | $313 |
| Eleele | $803 | DB Insurance | $313 |
| Ewa Beach | $799 | DB Insurance | $313 |
| Ewa Gentry | $799 | DB Insurance | $313 |
| Ewa Villages | $799 | DB Insurance | $313 |
| Fern Acres | $803 | DB Insurance | $313 |
| Fort Shafter | $799 | DB Insurance | $313 |
| Haiku | $803 | DB Insurance | $313 |
| Haiku-Pauwela | $803 | DB Insurance | $313 |
| Hakalau | $803 | DB Insurance | $313 |
| Halaula | $803 | DB Insurance | $313 |
| Halawa | $799 | DB Insurance | $313 |
| Haleiwa | $799 | DB Insurance | $313 |
| Haliimaile | $803 | DB Insurance | $313 |
| Hana | $803 | DB Insurance | $313 |
| Hanalei | $803 | DB Insurance | $313 |
| Hanamaulu | $803 | DB Insurance | $313 |
| Hanapepe | $803 | DB Insurance | $313 |
| Hauula | $799 | DB Insurance | $313 |
| Hawaii National Park | $803 | DB Insurance | $313 |
| Hawaiian Acres | $803 | DB Insurance | $313 |
| Hawaiian Beaches | $803 | DB Insurance | $313 |
| Hawaiian Ocean View | $803 | DB Insurance | $313 |
| Hawaiian Paradise Park | $803 | DB Insurance | $313 |
| Hawi | $803 | DB Insurance | $313 |
| Heeia | $799 | DB Insurance | $313 |
| Hickam Housing | $799 | DB Insurance | $313 |
| Hilo | $803 | DB Insurance | $313 |
| Holualoa | $803 | DB Insurance | $313 |
| Honalo | $803 | DB Insurance | $313 |
| Honaunau | $803 | DB Insurance | $313 |
| Honaunau-Napoopoo | $803 | DB Insurance | $313 |
| Honokaa | $803 | DB Insurance | $313 |
| Honolulu | $799 | DB Insurance | $313 |
| Honomu | $803 | DB Insurance | $313 |
| Hoolehua | $803 | DB Insurance | $313 |
| Iroquois Point | $799 | DB Insurance | $313 |
| JBPHH | $799 | DB Insurance | $313 |
| Kaaawa | $799 | DB Insurance | $313 |
| Kaanapali | $803 | DB Insurance | $313 |
| Kahaluu | $799 | DB Insurance | $313 |
| Kahaluu-Keauhou | $803 | DB Insurance | $313 |
| Kahuku | $799 | DB Insurance | $313 |
| Kahului | $803 | DB Insurance | $313 |
| Kailua | $801 | DB Insurance | $313 |
| Kailua Kona | $803 | DB Insurance | $313 |
| Kalaheo | $803 | DB Insurance | $313 |
| Kalaoa | $803 | DB Insurance | $313 |
| Kalaupapa | $803 | DB Insurance | $313 |
| Kamuela | $803 | DB Insurance | $313 |
| Kaneohe | $799 | DB Insurance | $313 |
| Kaneohe Station | $799 | DB Insurance | $313 |
| Kapaa | $803 | DB Insurance | $313 |
| Kapaau | $803 | DB Insurance | $313 |
| Kapalua | $803 | DB Insurance | $313 |
| Kapolei | $799 | DB Insurance | $313 |
| Kaumakani | $803 | DB Insurance | $313 |
| Kaunakakai | $803 | DB Insurance | $313 |
| Keaau | $803 | DB Insurance | $313 |
| Kealakekua | $803 | DB Insurance | $313 |
| Kealia | $803 | DB Insurance | $313 |
| Keauhou | $803 | DB Insurance | $313 |
| Kekaha | $803 | DB Insurance | $313 |
| Keokea | $803 | DB Insurance | $313 |
| Kihei | $803 | DB Insurance | $313 |
| Kilauea | $803 | DB Insurance | $313 |
| Ko Olina | $799 | DB Insurance | $313 |
| Koloa | $803 | DB Insurance | $313 |
| Kualapuu | $803 | DB Insurance | $313 |
| Kula | $803 | DB Insurance | $313 |
| Kunia | $799 | DB Insurance | $313 |
| Kurtistown | $803 | DB Insurance | $313 |
| Lahaina | $803 | DB Insurance | $313 |
| Laie | $799 | DB Insurance | $313 |
| Lanai City | $803 | DB Insurance | $313 |
| Launiupoko | $803 | DB Insurance | $313 |
| Laupahoehoe | $803 | DB Insurance | $313 |
| Lawai | $803 | DB Insurance | $313 |
| Lihue | $803 | DB Insurance | $313 |
| MCBH Kaneohe Bay | $799 | DB Insurance | $313 |
| Maalaea | $803 | DB Insurance | $313 |
| Mahinahina | $803 | DB Insurance | $313 |
| Maili | $799 | DB Insurance | $313 |
| Makaha | $799 | DB Insurance | $313 |
| Makakilo | $799 | DB Insurance | $313 |
| Makawao | $803 | DB Insurance | $313 |
| Makaweli | $803 | DB Insurance | $313 |
| Maunaloa | $803 | DB Insurance | $313 |
| Maunawili | $799 | DB Insurance | $313 |
| Mililani | $799 | DB Insurance | $313 |
| Mililani Mauka | $799 | DB Insurance | $313 |
| Mililani Town | $799 | DB Insurance | $313 |
| Mokuleia | $799 | DB Insurance | $313 |
| Mountain View | $803 | DB Insurance | $313 |
| Naalehu | $803 | DB Insurance | $313 |
| Nanakuli | $799 | DB Insurance | $313 |
| Nanawale Estates | $803 | DB Insurance | $313 |
| Napili-Honokowai | $803 | DB Insurance | $313 |
| Ninole | $803 | DB Insurance | $313 |
| Ocean Pointe | $799 | DB Insurance | $313 |
| Ocean View | $803 | DB Insurance | $313 |
| Olinda | $803 | DB Insurance | $313 |
| Omao | $803 | DB Insurance | $313 |
| Ookala | $803 | DB Insurance | $313 |
| Orchidlands Estates | $803 | DB Insurance | $313 |
| Paauilo | $803 | DB Insurance | $313 |
| Pahala | $803 | DB Insurance | $313 |
| Pahoa | $803 | DB Insurance | $313 |
| Paia | $803 | DB Insurance | $313 |
| Papaaloa | $803 | DB Insurance | $313 |
| Papaikou | $803 | DB Insurance | $313 |
| Pearl City | $799 | DB Insurance | $313 |
| Pepeekeo | $803 | DB Insurance | $313 |
| Poipu | $803 | DB Insurance | $313 |
| Princeville | $803 | DB Insurance | $313 |
| Puako | $803 | DB Insurance | $313 |
| Puhi | $803 | DB Insurance | $313 |
| Pukalani | $803 | DB Insurance | $313 |
| Punaluu | $799 | DB Insurance | $313 |
| Pupukea | $799 | DB Insurance | $313 |
| Puunene | $803 | DB Insurance | $313 |
| Royal Kunia | $799 | DB Insurance | $313 |
| Schofield Barracks | $799 | DB Insurance | $313 |
| Tripler Army Medical Center | $799 | DB Insurance | $313 |
| Volcano | $803 | DB Insurance | $313 |
| Wahiawa | $799 | DB Insurance | $313 |
| Waialua | $799 | DB Insurance | $313 |
| Waianae | $799 | DB Insurance | $313 |
| Waihee-Waiehu | $803 | DB Insurance | $313 |
| Waikane | $799 | DB Insurance | $313 |
| Waikapu | $803 | DB Insurance | $313 |
| Waikele | $799 | DB Insurance | $313 |
| Waikoloa | $803 | DB Insurance | $313 |
| Waikoloa Village | $803 | DB Insurance | $313 |
| Wailea | $803 | DB Insurance | $313 |
| Wailua | $803 | DB Insurance | $313 |
| Wailua Homesteads | $803 | DB Insurance | $313 |
| Wailuku | $803 | DB Insurance | $313 |
| Waimalu | $799 | DB Insurance | $313 |
| Waimanalo | $799 | DB Insurance | $313 |
| Waimanalo Beach | $799 | DB Insurance | $313 |
| Waimea | $803 | DB Insurance | $313 |
| Wainaku | $803 | DB Insurance | $313 |
| Wainiha | $803 | DB Insurance | $313 |
| Waipahu | $799 | DB Insurance | $313 |
| Waipio | $799 | DB Insurance | $313 |
| Waipio Acres | $799 | DB Insurance | $313 |
| Wake Island | $799 | DB Insurance | $313 |
| West Loch Estate | $799 | DB Insurance | $313 |
| Wheeler AFB | $799 | DB Insurance | $313 |
| Wheeler Army Airfield | $799 | DB Insurance | $313 |
| Whitmore Village | $799 | DB Insurance | $313 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance coverage is important in Hawaii?
Homeowners in Hawaii may need extra coverage for flooding, volcanic activity, earthquakes and hurricane-force winds.
A standard home insurance policy covers many types of home damage. This includes wind, lightning, hail, fire and smoke, theft, vandalism and more.
In most cases, a typical home insurance policy will cover damage from wildfires. However, after the Lahaina wildfires, it's good to double-check that your policy doesn't specifically exclude wildfire damage.
To have the most protection from natural disasters, get a policy that has extended replacement cost coverage. With this coverage, your insurance company will pay extra to fully rebuild your home after a disaster, even if it costs more than your dwelling coverage limit. It's especially important in Hawaii because repair costs can skyrocket when many people on the island have home damage.
You may sometimes need separate volcano insurance
Each insurance company covers volcanoes differently. So you'll have to read your policy to understand if volcanoes are included or if you have to add on coverage.
- In most cases, if the heat from lava flow causes your home to catch on fire, then your home insurance will pay for damage. That's because home insurance policies cover house fires.
- But if your home is damaged from ground movements, such as a crack in the earth, you would need coverage that's specifically for either volcanoes or earthquakes.
When volcanoes erupt, it can be a long time before you are able to get back home. Most home insurance policies include "loss of use coverage," which helps pay for extra living expenses such as a hotel room.
Your coverage options for volcano insurance will change based on how likely your home is to have volcano damage. This can be found using the USGS lava flow hazard map.
If you live in lava zones 1 or 2, your only option for insurance is the state insurance program, Hawaii Property Insurance Association (HPIA). This can be expensive, costing more than $6,000 per year for $300,000 in coverage.
A separate flood insurance policy will cover hurricanes and tsunamis
Flood damage is not covered by a regular home insurance policy. Instead, you'll need to buy a separate flood insurance policy that covers water damage from flash flooding, heavy rain, hurricanes, storm surge, tsunamis and overflowing rivers.
Flood insurance in Hawaii costs an average of $805 per year for a policy from the National Flood Insurance Program (NFIP). But rates will change based on how close you are to the ocean or another waterway.
Typically in Hawaii, you'll need hurricane insurance to cover damage from high-speed winds
Home insurance policies cover wind damage from a standard storm. But policies in Hawaii often won't cover damage from hurricane-force winds unless you add on a special hurricane insurance endorsement.
The average cost of hurricane insurance in Hawaii is $1,475 per year when you buy a policy separately.
Earthquake insurance is also a separate policy
A regular home insurance policy won't cover earthquake damage. So if your home is on the Big Island or another area where earthquakes are likely, you may want to get a separate earthquake insurance policy.
- Earthquake insurance covers damage caused by ground movements, such as structural issues to your home or if your TV falls because of the quake.
- If an earthquake causes a tsunami or flood, the earthquake policy won't pay for the water damage to your home. You would need a separate flood insurance policy for that.
How to save money on Hawaii home insurance
Comparing home insurance quotes from multiple companies is the best way to find cheap home insurance.
Home insurance rates are based on many different factors, including your home's age and building materials, the area where you live, and personal details such as your credit score. Each company calculates its rates in different ways. That's why getting quotes is the only way to know which company is the cheapest for you.
Home insurance rates can go up quickly after a natural disaster, such as the Hawaiian wildfires. It can be helpful to work with an independent agent who can get your quotes from multiple companies and knows the local market and how availability and rates are changing.
Hawaii home insurance trends
Home insurance costs have gone up nearly 32% in Hawaii over the last five years.
Hawaii homeowners saw a nearly 12% jump in their home insurance prices in 2024 after the Maui wildfires. That was significantly higher than the 2% increase the year before.
Home insurance rate increases in Hawaii, 2021–2025
Year | Rate increase |
|---|---|
| 2021 | 0.56% |
| 2022 | 3.47% |
| 2023 | 1.99% |
| 2024 | 11.68% |
| 2025 | 8.87% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
DB Insurance had the biggest rate increase in Hawaii, raising rates by nearly 71% between 2021 and 2025. In comparison, USAA only raised rates by 2.4% during the same time period.
Frequently asked questions
How much is home insurance in Hawaii?
The average cost of homeowners insurance in Hawaii is $801 per year for $350,00 in coverage, or $1,145 per year for $500,000 in coverage. That makes Hawaii the cheapest state in the country for home insurance. However, people living in other states usually won't have extra insurance costs such as coverage for volcanoes, tsunamis, hurricanes and earthquakes.
Who has the cheapest home insurance in Hawaii?
DB Insurance has the cheapest home insurance rates for Hawaii residents, at $313 per year for $350,000 in coverage. That's less than half the average cost of a policy in Hawaii.
Who has the best home insurance in Hawaii?
State Farm is the best home insurance for most homeowners in Hawaii. It has affordable rates, reliable coverage, an easy claims process and good customer satisfaction.
Is there volcano insurance in Hawaii?
Yes, you can get volcano insurance in Hawaii to protect against damage from lava, fires and ash. However, it depends on your home insurance policy whether volcano damage is covered or if you need to add on this coverage. You'll need a separate earthquake insurance policy to cover damage from earth movements, such as damage to the walls of your home due to earth tremors during a volcano eruption.
Methodology
The cost of home insurance in Hawaii is based on thousands of quotes from the top companies using every ZIP code in the state. Quotes are for a 45-year-old married man with no prior insurance claims. Rates are for a 1,164-square-foot home built 43 years ago, based on the average home age and size in Hawaii.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services, which was publicly sourced from insurance filings. These quotes should be used only for comparison purposes, as your own quotes may be different.
Additional sources:
- Rate change information for home and condo insurance is from S&P Global's report on the top 10 companies in Hawaii by market share. Average rate changes are based on total written premiums using available filings to date.
- The cost of flood insurance is based on rates from the National Flood Insurance Program (NFIP).
- Volcano insurance rates are based on estimates from real estate professionals on the Big Island.
Hurricane insurance rate information is from the State of Hawaii Insurance Division using a sample property in Oahu:
- Wood home built in 2008 with double walls
- Located 15 feet above sea level
- Gable asphalt shingle roof
- Dwelling coverage of $400,000
- $500 deductible
- Used as a primary residence
- No claims in the past five years
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
