Average home insurance cost in Hawaii
Hawaii is one of the cheapest states in the country to insure a home, ranking #1 of 51. Homeowners here pay about 64% less than the national average — roughly $1,590 a year in savings, largely because catastrophic-weather exposure is low.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Hawaii compares with its neighbors
| State | Annual premium | Difference vs HI |
|---|---|---|
| Hawaii | $900 | — |
| California | $1,820 | +$920/yr |
| Alaska | $1,385 | +$485/yr |
Hawaii home insurance FAQ
How much is homeowners insurance in Hawaii?
Home insurance in Hawaii averages $900 per year — about $75 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Hawaii more expensive than average?
No. Hawaii's average of $900/year is about 64% below the U.S. average of $2,490/year, ranking #1 of 51 (1 = cheapest).
How can I lower my home insurance bill in Hawaii?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.