The Best Home Insurance Companies in Hawaii in 2026
State Farm and Island Insurance are two of our top picks for the best homeowners insurance in Hawaii.
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Written byJessica Martel
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Jessica MartelPersonal Finance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
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Hawaii consists of a chain of volcanic islands in the Pacific Ocean. Its geography makes it vulnerable to many natural disasters, including volcanic eruptions, tsunamis, and flooding.
The average home insurance rate in Hawaii is $126 per month, but rates vary by location, coverage choices, and your home’s age and construction.
The cheapest insurance company in Hawaii is Allstate, with an average rate of $72 per month for $300,000 in dwelling coverage, according to our data.
We’ll compare some of the best home insurance companies in Hawaii and provide the information you need to find the right coverage for your home.
Key Takeaways
State Farm, Chubb, and Island Insurance are some of our top picks for home insurance in Hawaii.
You may require additional flood insurance if you live in a high-risk flood zone and have a federally backed mortgage.
The average annual cost of homeowner insurance is $1,512, but your costs depend on factors such as your home’s location and age.
Our Picks for Hawaii’s Best Home Insurance Companies
Hawaii homeowners have access to many quality home insurance companies. The best company for you depends on your individual situation, needs, and budget. To help you start your search for the right home insurance policy, we’ve selected some of the top insurers in Hawaii based on average rates, discounts, customer reviews, and coverage options.
Company | Compare.com Rating | Average Monthly Premium | Average Annual Premium |
|---|---|---|---|
| State Farm | 4.38 | $235 | $2,820 |
| Chubb | 4.19 | $308 | $3,696 |
| USAA | 4.68 | $169 | $2,028 |
| Allstate | 4.18 | $208 | $2,496 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Island Insurance: Best for local expertise
Pros
Access to local agents
Discounts for state teachers
Cons
No online quotes
No mobile app
Island Insurance has been protecting local properties in Hawaii since 1940. With a network of local experts, you can work with an insurance agent who’s familiar with the unique risks faced by Hawaii homeowners. Qualifying homeowners can save up to 10% by bundling home and auto insurance.
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
|---|---|
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $165/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $265/mo |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.22
Why we picked this company
State Farm is the largest insurance company in the U.S. by market share.[1] The company offers a range of standard and add-on insurance coverage options to help you customize your homeowners policy. State Farm also has a wide network of local insurance agents across Hawaii, who can help first-time homeowners navigate the insurance landscape.
Pros
Above-average customer satisfaction
Ability to customize coverage
Cons
No flood insurance
Below-average claims satisfaction
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
Chubb offers a range of comprehensive coverage options, including extended replacement cost coverage, which pays to rebuild or repair your home to its original condition, even if it exceeds your policy limit. If you have to rebuild after a loss, Chubb will also pay to bring your home up to code.
Homeowners also have the option of taking a cash payment instead of rebuilding after a covered loss.
Pros
Above-average claims satisfaction
A++ (Superior) financial strength rating from AM Best
Cons
No online quotes
Not the cheapest insurer in Hawaii
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
USAA offers home insurance to military members and their families. With more than 250,000 military personnel and their family members residing in Hawaii, according to the Hawaii Defense Economy, many homeowners can benefit from USAA’s military benefits and exceptional customer service.
In addition to standard coverage, USAA offers optional coverage, including earthquake, water backup, and home sharing coverage.
Pros
Online quotes available
Above-average claims satisfaction
Cons
Military eligibility required
No guaranteed replacement coverage
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
Allstate has been around for more than 90 years and is one of the largest insurance companies in the U.S. by market share. In addition to home insurance, you can purchase auto, life, and business coverage. Hawaii homeowners who have purchased a newly constructed home may be eligible to save with Allstate’s homebuyer discounts.
Pros
Online quotes available
A+ (Superior) financial strength rating from AM Best
Cons
Below-average claims satisfaction
Low Trustpilot rating
The Cheapest Home Insurance Companies in Hawaii
Home insurance coverage rates can vary significantly from one company to the next. To find the best rates and the best overall fit, compare home insurance quotes from multiple companies.
The following table highlights the cheapest insurers in Hawaii for $300,000 in dwelling coverage, according to Compare.com data.
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $864 |
| AIG | $1,452 |
| State Farm | $1,980 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.
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Average Cost of Homeowners Insurance in Hawaii
The amount of dwelling coverage you choose plays a major role in how much your home insurance costs. Dwelling coverage pays to repair or rebuild your home. The more coverage you need, the more expensive your insurance will be because the insurer is taking on more risk.
When choosing coverage, make sure you have enough to rebuild your home, which is often more than the purchase price.
The table below shows average annual premiums for different levels of dwelling coverage in Hawaii, according to Compare.com data.
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $588 |
| AIG | $996 |
| State Farm | $1,428 |
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $864 |
| AIG | $1,452 |
| State Farm | $1,980 |
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $1,140 |
| AIG | $1,932 |
| State Farm | $2,592 |
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $1,416 |
| AIG | $2,460 |
| State Farm | $3,180 |
The below rates in Hawaii are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Allstate | $2,196 |
| AIG | $3,768 |
| State Farm | $4,644 |
Common Home Insurance Risks in Hawaii
Hawaii’s location and unique geography elevate the island’s exposure to natural disasters. Some of the top risks to be aware of include:
Volcanic activity: Hawaii is home to several active volcanoes. Volcano eruptions can include lava flows that are dangerous to people and destructive to everything in their path, including homes. Several lava flows over the past 100 years have destroyed entire communities.[2] Most homeowners policies cover damage caused by volcanic eruptions.
Earthquakes: During some volcanic eruptions, magma flows can trigger seismic activity, including earthquakes. A standard homeowners policy typically doesn’t cover earthquake damage, but you can purchase an earthquake endorsement.[3]
Tsunamis: Both volcanic eruptions and earthquakes can trigger tsunamis. Tsunamis can cause major flooding in low-lying coastal areas and damage from debris being carried by the floodwaters. While standard homeowners insurance doesn’t cover flood damage, you can purchase a separate flood policy through a private insurer or the National Flood Insurance Program (NFIP).If you own a home in a high-risk flood zone and have a federally backed mortgage, you’re required to have flood insurance.
Hawaii Insurance Division
The Insurance Division in Hawaii oversees the insurance companies and agents in the state; it’s responsible for issuing insurance licenses, reviewing insurance rates, and investigating consumer insurance complaints.
You can contact the Hawaii Insurance Division by phone at 1 (844) 808-3222 or by email at [email protected].
What Homeowners Insurance Covers in Hawaii
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In Hawaii, a standard homeowners insurance policy covers the following categories:[4]
Property damage: Your policy helps pay for damage to your home, garage, shed, and other structures caused by a covered peril.
Personal property coverage: If your clothing, furniture, or other personal belongings are damaged or stolen, your homeowners policy will help cover them.
Additional living expenses: Also known as loss-of-use coverage, most policies will help pay for some of your temporary living expenses if your home is uninhabitable due to a covered event.
Personal liability coverage: Liability insurance helps cover the cost of a lawsuit if you, a family member, or your pet causes bodily injury or property damage.
Medical payments coverage: If someone is injured on your property, this helps cover the cost of their medical bills.
What home insurance doesn’t cover
Due to Hawaii’s exposure to natural disasters, you might need to consider additional coverage or endorsements to ensure your home is properly protected. Below are some exclusions in a typical homeowners policy:[5]
Flooding: Most standard homeowners and renters policies exclude damage from flooding. You can purchase separate flood coverage through a private insurer or the NFIP.
Sewer backup: Neither a standard homeowner policy nor a flood policy covers sewer backup. You’ll need to purchase a separate policy or endorsement.
Earthquakes: Some insurance companies offer earthquake coverage as a separate policy or endorsement. Earthquake coverage often comes with high deductibles.
Maintenance damage: Your insurance policy won’t cover damage caused by neglect, such as mold or insect infestations.
Do You Need Flood Insurance in Hawaii?
Since flooding is a real risk for homeowners in Hawaii and a standard homeowners policy doesn’t cover it, you may want to consider a separate flood policy. If you live in a high-risk flood zone with a federally backed mortgage, your lender may require you to carry flood insurance.
Some private insurance companies might offer flood insurance. If you can’t get home insurance through a private insurer, you can find it through the NFIP.
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Factors That Affect Home Insurance Costs in Hawaii
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In addition to how much dwelling coverage you choose, other factors can affect the cost of homeowner insurance in Hawaii, including:
The home itself: The age of your home and the materials it’s made of affect your insurance premiums. Older homes and wooden frames are generally more expensive to insure than newer homes and those made of materials more resistant to natural disasters.
Your location: Your ZIP code plays a large role in the cost of insurance. Do you live in a flood or tsunami zone? Are you close to a fire station? What are the crime rates in your area? Generally, greater risk results in higher premiums.
How you structure your policy: The type and amount of coverage you choose, along with the deductible, will influence your premiums. Adding extra flood or earthquake coverage will increase the cost.
Your background: Personal factors such as your claims history can also affect your premiums. Many insurers offer discounts for a clean claims record. Hawaii doesn’t allow credit-based insurance decisions, meaning they can’t use your credit score to calculate your premiums.[6]
Hawaii Home Insurance FAQs
For more information about Hawaii homeowners insurance, check out the following answers to some of our most commonly asked questions.
How much is home insurance in Hawaii?
The average cost of home insurance in Hawaii is $126 per month for a $300,000 dwelling coverage policy, according to Compare.com data. The cost of your policy depends on factors such as your home’s location, the amount and type of insurance, and your home’s age.
What’s the best home insurance company in Hawaii?
The best home insurance company in Hawaii depends on your individual needs and budget. Based on our research, State Farm, Chubb, and Island Insurance are some of the top home insurers in Hawaii.
Which company has the cheapest homeowners insurance in Hawaii?
Allstate offers the lowest average home insurance rates in Hawaii, at $72 per month for $300,000 in dwelling coverage, according to Compare.com data.
What does home insurance cover in Hawaii?
A standard homeowners policy covers damage to your property and personal belongings caused by a covered peril. It also provides personal liability and additional living expenses coverage.
Does homeowners insurance cover water damage and mold?
A standard homeowners policy will usually cover water damage if it’s sudden and accidental, such as if a pipe bursts or your toilet overflows. Homeowners insurance generally doesn’t cover mold unless it results from a covered peril, such as a burst pipe.
Is flood insurance required in Hawaii?
Flood insurance is only required for certain homeowners in Hawaii. If you live in a high-risk flood zone and have a federally backed mortgage, you’ll need flood insurance. The Federal Emergency Management Agency (FEMA) recently updated the flood insurance rate map (FIRM) for O’ahu residents.
As of June 2026, homeowners located in Special Flood Hazard Areas with federally backed mortgages may be required to purchase flood insurance.[7]
Are hurricanes covered under homeowners insurance in Hawaii?
No. Hurricane damage typically isn’t covered under a standard homeowner policy in Hawaii. You may need to purchase additional coverage to ensure you’re properly protected.
Sources
- National Association of Insurance Commissioners. "2025 Top 25 Groups and Companies by Countrywide Premium."
- Hawaii Emergency Management Agency. "Volcanic Hazards."
- Insurance Information Institute. "Volcanic eruption coverage."
- Hawaii Department of Commerce and Consumer Affairs. "A Consumer's Guide to Homeowner's Insurance in the State of Hawaii."
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- City and County of Honolulu. "Oahu residents urged to check new flood zone maps ahead of major FEMA changes."
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Jessica MartelPersonal Finance Writer
Nick VersawSenior Managing Editor
Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519