Homeowners Insurance Cost in Hawaii
Homeowners insurance in Hawaii costs about $1,440 a year ($120 a month), which is 40% below the US average. Most prices fall from $780 to $3,300.
Homeowners Insurance Cost in Hawaii
| Low | Typical | High | |
|---|---|---|---|
| Hawaii | $780 | $1,440 | $3,300 |
| US average | $1,300 | $2,400 | $5,500 |
Claim frequency, litigation rates and weather losses push prices up or down in Hawaii. We rank Hawaii number 2 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 0.60 (1.00 is the US average).
What the price covers
The figures are for a single-family home with about $300,000 of dwelling coverage. Storm, fire and flood risk, rebuild cost and roof age drive the price. Flood and earthquake are usually separate policies.
Ways to pay less in Hawaii
- Ask about discounts for a new roof, security system and bundled auto.
- A higher deductible lowers the premium, especially in storm-prone areas.
- Flood and earthquake damage are usually not covered. Ask about separate policies.
Frequently asked questions
How much is homeowners insurance?
In Hawaii the typical price is about $1,440 a year ($120 a month), with a range of $780 to $3,300.
Is homeowners insurance more expensive in Hawaii than average?
It is 40% below the US average of $2,400.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.