The average homeowners insurance in Hawaii is $659 per year — that's 74% below the U.S. average of $2,543, the 51st least expensive of 51 states.
| Hawaii average | $659 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | −74% (−$1,884/yr) |
| Rank (most expensive) | 51st of 51 |
Hawaii sits in the West and ranks 51st of 51 for home insurance cost. Premiums stay lower thanks to lower catastrophe risk and fewer costly claims. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Hawaii Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in Hawaii is about $659 per year as of 2026 — 74% below the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Hawaii ranks 51st out of 51 for home insurance cost. Rates run lower thanks to lower catastrophe risk and claim frequency.
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.