Best and Cheapest Homeowners Insurance in Hawaii for 2025 (10 Most Affordable Companies)

The best and cheapest homeowners insurance in Hawaii includes top providers like USAA, State Farm, and Allstate, with USAA being the top pick overall for its affordable rates starting at just $16 a month, exceptional customer service, and comprehensive coverage options.

This article is a practical guide for understanding homeowners insurance, providing a brief overview of what makes these companies some of the best around and customer satisfaction with affordability and reliability.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$16	A++	Efficient Operations	USAA
	#2	$22	A++	Military Focused	Geico
	#3	$23	B	Competitive Pricing	State Farm
	#4	$27	A++	Community Engagement	Travelers
	#5	$29	A+	Comprehensive Bundling	Progressive
	#6	$30	A	Customer Loyalty	American Family
	#7	$31	A+	Usage-Based Discounts	Nationwide
	#8	$36	A	Personalized Plans	Farmers
	#9	$43	A+	Advanced Telematics	Allstate
	#10	$47	A	Policy Customization	Liberty Mutual

Whether you want to go with the lowest premiums available, or need advanced coverage, these providers stand out as the best in quality insurance for any homebuyer in Hawaii.

Use our free quote comparison tool to find affordable premiums for home insurance. Enter your ZIP code and get cheap coverage for your home.

What You Should Know

• Find the best, cheapest homeowners insurance in Hawaii with tailored coverage
• Compare providers offering affordable premiums and reliable service
• USAA stands out as the top choice with rates starting at $16 a month

#1 – USAA: Top Overall Pick

Pros

• Best Customer Service: Homeowners insurance in Hawaii provides military families with a simple, service-free claims process.
• Warranty Protection: A++ rating offers peace of mind for homeowners insurance policyholders in Hawaii. Read our USAA review for details.
• Quick Claims Process: Homeowners insurance claims in Hawaii are processed promptly and without roadblocks.

Cons

• Restricted Membership: There is no homeowners insurance in Hawaii, so military families can’t get it.
• Limited Bundling Options: Offers fewer bundling opportunities than other providers in Hawaii.

#2 – Geico: Best for Military Focused

Pros

• Robust Discounts: Substantial savings for military families reduce costs of homeowners insurance in Hawaii.
• Financial Strength: A++ rating ensures reliability for Hawaii homeowners insurance policies. Read this article for more information "Save Money on Homeowners Insurance & Prevent Claims"
• Convenient Tools: Easy-to-use tools simplify managing homeowners insurance in Hawaii.

Cons

• Third-Party Underwriting: Most of the written-away policies are from third parties, and customer service for Hawaii homeowners insurance is different.
• Limited Customization: In contrast, options for coverage in homeowners insurance in Hawaii are less formalized.

#3 – State Farm: Best for Competitive Pricing

Pros

• Regional Experts: Local agents provide tailored support for homeowners insurance in Hawaii.
• Proven Claims: Handy claims process gets you the help you need for your Hawaii homeowners insurance. Read our State Farm review for more.
• Educational Tools: Online resources help Hawaii homeowners understand their insurance policies.

Cons

• Lower Financial Rating: A B rating raises concerns about long-term stability for homeowners insurance in Hawaii.
• Few Discounts: Limited discount options compared to other Hawaii homeowners insurance providers.

#4 – Travelers: Best for Community Engagement

Pros

• Community Support: Known for backing Hawaiian communities through homeowners insurance in Hawaii.
• Customizable Options: Tailored coverage options for specific Hawaii homeowners insurance needs.
• Financial Rating (A++): Reliable claims support with a strong financial rating. Find the full list in our Travelers review.

Cons

• Higher Premiums: Hawaii homeowners insurance is more expensive than other insurers.
• Limited Discounts: Lack of savings for Hawaii homeowners insurance policyholders.

#5 – Progressive: Best for Comprehensive Bundling

Pros

• Bundling Opportunities: Save on homeowners insurance in Hawaii by bundling with other policies. Get a complete view in our Progressive review.
• Digital Tools: Managing Hawaii homeowners insurance is extremely convenient with advanced tools.
• Financial Stability: An A+ rating means you can count on them when you need them to process your Hawaii homeowners insurance claims payment.

Cons

• Customer Service: Service may lack personalization for Hawaii homeowners insurance.
• Limited Local Presence: Travelers has local agents in Hawaii that can help with homeowners insurance in person.

#6 – American Family: Best for Customer Loyalty

Pros

• Loyalty Rewards: Benefits for long-term Hawaii homeowners insurance policyholders.
• Adjustable Policies: Flexible options tailored to Hawaii homeowners' unique needs.
• Financial Strength: Solid A rating backs dependable homeowners insurance claims in Hawaii. Discover more in our American Family review.

Cons

• Limited Availability: Homeowners insurance in Hawaii may not be available in all areas.
• Fewer Discounts: Offers fewer savings opportunities compared to other Hawaii providers.

#7 – Nationwide: Best for Customer Loyalty

Pros

• Usage-Based Discounts: SmartRide program offers savings for Hawaii homeowners insurance policyholders.
• Comprehensive Support: With great service, you can always expect dependable assistance for homeowners insurance in Hawaii.
• Flexible Policies: Customizable coverage options for Hawaii residents. Learn more in our Nationwide review.

Cons

• Higher Costs: Premiums are more expensive than other Hawaii homeowners insurance providers.
• Basic Digital Tools: Enhancement of online features is limited across the platform, as their competition offers more sophisticated tools for users.

#8 – Farmers: Best for Personalized Plans

Pros

• Custom Plans: Offers personalized coverage for homeowners insurance in Hawaii.
• Local Agents: Network of agents provides face-to-face support in Hawaii.
• Bundling Discounts: Save on homeowners insurance in Hawaii by combining policies. Find additional info in our review of Farmers.

Cons

• Higher Premiums: Costs are higher than other Hawaii homeowners insurance providers.
• Slow Claims Processing: Claims take longer to process compared to competitors.

#9 – Allstate: Best for Advanced Telematics

Pros

• Innovative Technology: Tools help manage homeowners insurance policies in Hawaii.
• Local Agents: With a large in-state team in the Hawaiian Islands, you’ll work with agents who are familiar with local laws and better able to handle individual homeowners who need extra attention.
• Financial Stability: They are rated A+ for financial stability, which provides confidence in homeowners insurance claims in Hawaii. Discover details in our Allstate review.

Cons

• Expensive Premiums: Hawaii homeowners insurance tends to be less competitive because of higher costs, making it a more expensive option for residents.
• Fewer Discounts: Limited savings options compared to other providers.

#10 – Liberty Mutual: Best for Policy Customization

Pros

• Customizable Policies: Tailor coverage to suit Hawaii homeowners insurance needs.
• Digital Tools: Streamlined handling of policies with simple-to-use tools tailored to Hawaii homeowners insurance. See our Liberty Mutual review for more.
• Good Customer Support: Hawaiian homeowners insurance can be a dependable and reliable service for its policyholders.

Cons

• Higher Costs: More expensive than other homeowners insurance providers in Hawaii.
• Fewer Local Agents: Limited face-to-face support for Hawaii homeowners insurance.

Unlock Car Insurance Savings with Top Discounts

You don’t have to break the bank to protect your home in Hawaii. As one of the cheapest providers, USAA has very affordable monthly rates of $16 for minimum coverage and $44 for full coverage, making it one of the best options for homeowners.

Geico also has competitive rates, with averages starting at $22 for minimum coverage and $59 for full coverage, and State Farm comes in at third, with rates that begin at an average of $23 for minimum coverage and $64 for full coverage. Here is a breakdown of home insurance rates in Hawaii to help you make an informed choice.

Insurance Company	Minimum Coverage	Full Coverage
	$43	$118
	$30	$82
	$36	$99
	$22	$59
	$47	$128
	$31	$84
	$29	$78
	$23	$64
	$27	$72
	$16	$44

USAA, Geico, and State Farm are among the most affordable homeowners insurance companies in Hawaii, based on our research. Starting prices for minimum coverage of $16 with USAA, $22 with Geico, and $23 with State Farm, these providers offer the effectiveness of inexpensive comfort and excellent protection.

For additional ways to save, check out the top 5 ways to lower your homeowners insurance premium (for example, bundling home and auto insurance, installing a security system, or raising your deductible). Moreover, a lot of policies provide certain perks such as compensation for damages caused by pets like dogs—a great benefit for pet parents.

Compare coverage levels, benefits, and other bonuses from each provider. Taking the time to research and understand your options will allow you to choose a policy that fits your individual needs and gives you peace of mind. Whether you need protection against unforeseen damage to your home or you want to keep your family out of harm’s way, selecting the right coverage means you can protect yourself without breaking the bank.

Best Home Insurance in Hawaii Discounts and Savings

Finding the best home insurance in Hawaii isn’t just about low rates—it’s about getting the best value for your money. Many homeowners insurance for Hawaii residents providers offer discounts for things like bundling policies, living a healthy lifestyle, and setting up automatic payments.

If you're searching for the cheapest home insurance in Hawaii or want a company that rewards long-term customers, comparing available discounts can make a big difference in your homeowners insurance Hawaii cost. The table below highlights top insurers in Hawaii and the potential savings available based on common discount categories.

Insurance Company	Non-Smoker	Healthy Lifestyle	Bundling	Loyalty	Automatic Payment
	$110	$105	$100	$90	$95
	$98	$93	$88	$78	$82
	$107	$102	$97	$87	$91
	$95	$90	$85	$75	$80
	$108	$103	$98	$88	$92
	$105	$100	$95	$85	$89
	$110	$105	$100	$90	$95
	$100	$95	$90	$80	$85
	$105	$100	$95	$85	$90
	$90	$85	$80	$70	$75

Finding the right home insurance boils down to balancing the affordable against the sufficient. And bundling, loyalty, and lifestyle discounts can work wonders on what you pay without sacrificing coverage. That’s why comparing providers gives you the best and cheapest homeowners insurance cover that saves you the most amount of money.

The Ultimate Guide to Homeowners Insurance in Hawaii

Safeguarding your home in Hawaii starts with learning about the most common types of insurance claims, comparing trends between cities, and understanding where Hawaii excels in affordability and reliability. Here’s what you need to know.

The top reason for homeowners insurance claims, at an average charge of $11,200, is natural disasters such as wind and hail, which account for 41% of claims. Water damage and freezing rank next, accounting for 24% of claims, with an average cost of about $10,849 each.

Claim Type	Portion of Claims	Cost per Claim
Wind and Hail Damage	41%	$11,200
Water Damage and Freezing	24%	$10,849
Fire and Lightning Damage	24%	$83,791
Theft	1%	$5,024
Bodily Injury and Property Damage	2%	$31,690

Fire and lightning damage is the most expensive kind, averaging $83,791 per claim, though less common. Even infrequent claims, such as theft or damage to property, can end up costing customers thousands. If you’re asking, “Does car or home insurance cover hail damage?” the answer is yes. Hail damage is usually covered under weather-related or windstorm provisions in most homeowners policies.

Most of Hawaii’s biggest insurers are rated financially strong, meaning they can pay claims quickly. Hawaii is one of the best states overall for affordable, accessible homeowners insurance that you can count on. By recognizing common claims, evaluating your neighborhood’s risk, and choosing the right plan, you can protect your home and most valued belongings with confidence. This is crucial when deciding on the best hurricane insurance in Hawaii.

Protect Your Hawaiian Home Without the High Costs

For the best homeowners insurance rates in Hawaii, check out affordable options from companies like USAA, Geico, and State Farm. They offer great coverage at prices that won’t break the bank, along with customer-friendly policies to give you peace of mind.

USAA has rates starting at $16 per month, Geico's start at $22 per month, and State Farm's attention to lowering costs begins at $23, all of which are reliable homeowners insurance companies for homeowners looking for quality coverage at lower prices.

So if you’ve been asking yourself how much is home insurance in Hawaii, you’ll be happy to know that rates are some of the cheapest in the nation — with the average Hawaii home insurance premium costing 72% less than the nationwide average. Fees, to figure out how to find the lowest homeowners insurance rates, look into bundling your policies, installing home security solutions, or maintaining a clean claims history to access discounts.

Premiums vary, and knowing what drives your rate is important. Tips such as why your car & homeowners insurance rates went up help explain cost increases, so they can assist you in making sense of your choices.

The top insurance companies in Hawaii offer a combination of affordable policies, financial stability, and great customer service to provide homeowners with peace of mind.

Get quotes today to find the coverage that better fits your home and budget.