Esc
↑↓ to moveEnter to openTip: press Ctrl K anywhere
Ask D
NerdWallet · May 6, 2026

Home insurance cost in Hawaii

About $900 a year, or $75 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.

Home insurance cost
$900
a year
A month
$75
Rank
1 of 51
1 = cheapest; −64% vs U.S.
StateHome insurance costRank
Hawaii$9001
Vermont$1,1702
Delaware$1,3653
U.S.$2,490-

Source: NerdWallet, Average Homeowners Insurance Cost in May 2026 (updated May 6, 2026). Average annual homeowners premium (2026 rates) for a sample policy: $400,000 dwelling coverage, $300,000 liability, $1,000 deductible; 40-year-old homeowner with good credit. Sample rates generated by Quadrant Information Services; NerdWallet reports the median rate across insurers. State table figures align with the $400,000-dwelling national average ($2,490). DC listed on the page as 'Washington, D.C.'

Common questions

How much is homeowners insurance in Hawaii?

About $900 a year, or $75 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.

Is home insurance in Hawaii expensive?

Hawaii ranks 1 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.

Add insurance and taxes to a full payment with the mortgage calculator.

More for Hawaii: monthly budget · take-home pay · rent.

ALAKAZARCACOCTDEDCFLGAIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY