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
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
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: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average.
**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
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
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
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 |
|---|---|
| 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 |