Short answer: home insurance in Hawaii depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. The average annual home insurance premium in Hawaii is about $1,431 (NAIC, 2022); your exact rate depends on coverage and profile.
Updated August 2026
Hawaii home insurance basicsHome insurance in Hawaii is shaped by local weather and rebuild costs. Local requirements and typical premiums vary — get a quote for your exact rate. Statewide average premium:
~$1,431/yr (NAIC, 2022).
Verify with the state insurance department →
Cities in Hawaii
Hawaii home insurance FAQ
How much is home insurance in Hawaii?
The average annual home insurance premium in Hawaii is about $1,431 (NAIC, 2022); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap home insurance in Hawaii?
Compare multiple carriers, bundle policies, and check local Hawaii discounts. Get free quotes in a couple of minutes.
Also compare auto insurance in Hawaii →