Best Homeowners Insurance in Hawaii
United Holdings is the best homeowners insurance company in Hawaii, offering the state’s cheapest average rate of $370 a year.
Allstate is Hawaii’s best home insurance company for bundling, while Universal North America has the state’s best add-on coverage options.
Cheapest home insurance companies in Hawaii
United Holdings has the cheapest home insurance rates in Hawaii at around $370 a year. This is 41% cheaper than the state average of $632 a year.
Dongbu has the second-cheapest annual rate of $383 a year, which is 39% cheaper than the state average.
Hawaii’s cheapest home insurance
| Company | Annual rate |
|---|---|
| United Holdings | $370 |
| Dongbu | $383 |
| Universal North America | $444 |
| Allstate | $514 |
| RLI | $619 |
| Tradewind | $629 |
| State Farm | $746 |
| AIG | $808 |
| First Fire & Casualty | $815 |
| Hawaiian | $987 |
Best homeowners insurance companies in Hawaii
United Holdings, Allstate and Universal North America are the best home insurance companies in Hawaii, based on our research and data.
Hawaii’s best home insurance companies
| Company | Annual rate | Overall satisfaction* | Complaint index** |
|---|---|---|---|
| United Holdings | $370 | Not rated | 3.68 |
| Allstate | $514 | 631 | 1.3 |
| Universal North America | $444 | Not rated | 9.54 |
**Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best for cheap rates: United Holdings
United Holdings offers the most affordable home insurance rates for Hawaiian homeowners at $370 a year. Also, the company’s Executive Enhancement Endorsement lets you raise your coverage limits above what its standard homeowners insurance policy includes.
Pros
- Cheapest rates in Hawaii
- Can raise your coverage limits
Cons
- No J.D. Power rating for customer satisfaction
- Bad complaint rating
Best for bundling: Allstate
Allstate doesn’t have the cheapest rate for homeowners insurance in Hawaii, but it offers the widest range of discounts of the companies we surveyed. For example, Allstate offers a 25% bundling discount if you buy both your home and auto insurance from it.
Allstate also offers discounts for:
- Switching to Allstate
- Buying a new home
- Being a first-time homebuyer
- Setting up automatic payments
- Installing theft or fire detection devices
- Signing up for automatic payment
- Installing windstorm mitigation
- Switching to Allstate with no recent claims
Pros
- Great bundling discount
- Affordable average rate
Cons
- Customer satisfaction is worse than average
- High complaint rating
Best add-on coverages: Universal North America
Universal North America offers a very wide range of optional coverages that let you tailor your home insurance to your needs. The company’s add-on coverages include:
- Expanded replacement cost
- Home equipment protection
- Increased liability limits
- Increased loss assessment
- Seasonal or unoccupied property
Pros
- Several add-on coverage options
- Low average rate
Cons
- Bad complaint rating
- Homes built before 1950 without proper updates may not qualify for coverage
Average cost of home insurance in Hawaii
A standard homeowners insurance policy in Hawaii costs $632 a year, on average. This is 77% cheaper than the national average rate of $2,801 a year.
Home insurance companies look at many factors when calculating your home insurance quote, including the following:
- Age of your house
- Quality of construction materials
- Coverage limits and deductible you choose
Different insurance companies weigh these factors differently. One company may see the age of your home as a higher risk than another company, for example, and charge you more because of it. This is why it’s important to compare quotes from several companies before you buy or renew a policy.
Hawaii home insurance rates by coverage amounts
Raising your home insurance policy’s dwelling coverage limit also raises your rate or premium. For example, Hawaii homeowners pay an average of $549 a year for a policy with a $350,000 dwelling limit compared to $632 for a policy with a $400,000 dwelling limit. That’s a difference of $83 a year.
Homeowners in Hawaii who buy home insurance policies with $450,000 of dwelling coverage pay 22% more, on average, than those who buy policies with $350,000 of dwelling coverage.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Annual rate |
|---|---|
| $350,000 | $549 |
| $400,000 | $632 |
| $450,000 | $708 |
Hawaii home insurance rates by city
Due to the small size of the state, residents in almost all Hawaii cities pay between $633 and $636 a year for home insurance, on average.
The average cost of home insurance in Hawaii’s biggest cities:
- Honolulu, $625 a year
- Hilo, $638 a year
- Pearl City, $635 a year
- Waipahu, $635 a year
- Kailua, $637 a year
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
|
|---|---|
| Ahuimanu | $635 |
| Aiea | $635 |
| Ainaloa | $638 |
| Anahola | $638 |
| Camp H M Smith | $593 |
| Captain Cook | $638 |
| Eleele | $638 |
| Ewa Beach | $635 |
| Ewa Gentry | $635 |
| Ewa Villages | $635 |
| Fern Acres | $638 |
| Fort Shafter | $593 |
| Haiku | $638 |
| Haiku-Pauwela | $638 |
| Hakalau | $638 |
| Halaula | $638 |
| Halawa | $635 |
| Haleiwa | $635 |
| Haliimaile | $638 |
| Hana | $638 |
| Hanalei | $638 |
| Hanamaulu | $638 |
| Hanapepe | $638 |
| Hauula | $635 |
| Hawaii National Park | $596 |
| Hawaiian Acres | $638 |
| Hawaiian Beaches | $638 |
| Hawaiian Ocean View | $638 |
| Hawaiian Paradise Park | $638 |
| Hawi | $638 |
| Heeia | $635 |
| Hickam Housing | $635 |
| Hilo | $638 |
| Holualoa | $617 |
| Honalo | $638 |
| Honaunau | $596 |
| Honaunau-Napoopoo | $638 |
| Honokaa | $638 |
| Honolulu | $625 |
| Honomu | $596 |
| Hoolehua | $596 |
| Iroquois Point | $635 |
| JBPHH | $593 |
| Kaaawa | $635 |
| Kaanapali | $638 |
| Kahaluu | $635 |
| Kahaluu-Keauhou | $638 |
| Kahuku | $635 |
| Kahului | $638 |
| Kailua | $637 |
| Kailua Kona | $638 |
| Kalaheo | $638 |
| Kalaoa | $638 |
| Kalaupapa | $638 |
| Kamuela | $596 |
| Kaneohe | $635 |
| Kaneohe Station | $635 |
| Kapaa | $638 |
| Kapaau | $638 |
| Kapalua | $638 |
| Kapolei | $635 |
| Kaumakani | $638 |
| Kaunakakai | $638 |
| Keaau | $638 |
| Kealakekua | $638 |
| Kealia | $596 |
| Keauhou | $596 |
| Kekaha | $638 |
| Keokea | $638 |
| Kihei | $638 |
| Kilauea | $638 |
| Ko Olina | $635 |
| Koloa | $638 |
| Kualapuu | $638 |
| Kula | $638 |
| Kunia | $635 |
| Kurtistown | $638 |
| Lahaina | $638 |
| Laie | $635 |
| Lanai City | $641 |
| Launiupoko | $638 |
| Laupahoehoe | $638 |
| Lawai | $638 |
| Lihue | $638 |
| Maalaea | $638 |
| Mahinahina | $638 |
| Maili | $635 |
| Makaha | $635 |
| Makakilo | $635 |
| Makawao | $638 |
| Makaweli | $638 |
| Maunaloa | $638 |
| Maunawili | $635 |
| MCBH Kaneohe Bay | $593 |
| Mililani | $635 |
| Mililani Mauka | $635 |
| Mililani Town | $635 |
| Mokuleia | $635 |
| Mountain View | $638 |
| Naalehu | $638 |
| Nanakuli | $635 |
| Nanawale Estates | $638 |
| Napili-Honokowai | $638 |
| Ninole | $596 |
| Ocean Pointe | $635 |
| Ocean View | $596 |
| Olinda | $638 |
| Omao | $638 |
| Ookala | $596 |
| Orchidlands Estates | $638 |
| Paauilo | $638 |
| Pahala | $638 |
| Pahoa | $638 |
| Paia | $638 |
| Papaaloa | $638 |
| Papaikou | $638 |
| Pearl City | $635 |
| Pepeekeo | $638 |
| Poipu | $638 |
| Princeville | $638 |
| Puako | $638 |
| Puhi | $638 |
| Pukalani | $638 |
| Punaluu | $635 |
| Pupukea | $635 |
| Puunene | $596 |
| Royal Kunia | $635 |
| Schofield Barracks | $635 |
| Tripler Army Medical Center | $593 |
| Volcano | $638 |
| Wahiawa | $635 |
| Waialua | $635 |
| Waianae | $635 |
| Waihee-Waiehu | $638 |
| Waikane | $635 |
| Waikapu | $638 |
| Waikele | $635 |
| Waikoloa | $638 |
| Waikoloa Village | $638 |
| Wailea | $638 |
| Wailua | $638 |
| Wailua Homesteads | $638 |
| Wailuku | $638 |
| Waimalu | $635 |
| Waimanalo | $635 |
| Waimanalo Beach | $635 |
| Waimea | $638 |
| Wainaku | $638 |
| Wainiha | $638 |
| Waipahu | $635 |
| Waipio | $635 |
| Waipio Acres | $635 |
| Wake Island | $593 |
| West Loch Estate | $635 |
| Wheeler AFB | $635 |
| Wheeler Army Airfield | $593 |
| Whitmore Village | $635 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Hawaii.
The following coverages and deductibles were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
—
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.