Hawaii homeowners insurance cost
West region · NAIC 2022 HO-3 average · rank #25 of 51
The average annual homeowners insurance premium in Hawaii is about $1,431 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 9% below the national average of $1,569. Hawaii ranks #25 of 51 states and DC (1 = most expensive), making it near average on home-insurance cost, close to the national average. The main local cost drivers are hurricane risk (priced separately), volcanic and lava-flow exposure in some areas. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
Hawaii home insurance at a glance
| Figure | Hawaii |
|---|---|
| Average annual HO-3 premium | $1,431 |
| National average (HO-3) | $1,569 |
| vs national average | -9% (about 9% below the national average) |
| State rank (1 = most expensive of 51) | #25 |
| Cost band | Near average (close to the national average) |
| Region | West |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in Hawaii
A homeowners premium mostly reflects how likely and how expensive a claim is. In Hawaii, the main factors behind the $1,431 average are:
- hurricane risk (priced separately)
- volcanic and lava-flow exposure in some areas
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated Hawaii premium by dwelling coverage
A rough idea of how the Hawaii average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $1,431 |
| $300,000 to $399,999 | $1,832 |
| $400,000 to $499,999 | $2,232 |
| $500,000 and over | $2,862 |
Source: Estimated from the NAIC 2022 Hawaii average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How Hawaii compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| Hawaii (this state) | $1,431 | -9% |
| New Jersey | $1,417 | -10% |
| Maryland | $1,392 | -11% |
| District of Columbia | $1,384 | -12% |
| California | $1,492 | -5% |
| Tennessee | $1,492 | -5% |
Frequently asked questions
How much is homeowners insurance in Hawaii?
The average annual homeowners (HO-3) premium in Hawaii is about $1,431, about 9% below the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #25 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance priced the way it is in Hawaii?
Hawaii's premiums are shaped mainly by hurricane risk (priced separately), volcanic and lava-flow exposure in some areas. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. Hawaii is near average versus the national average, close to the national average.
Is Hawaii home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current Hawaii premiums are likely higher than the figure shown. Verify with insurers.
Is the $1,431 figure a quote?
No. $1,431 is the NAIC 2022 countrywide average HO-3 premium for Hawaii - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $1,431 figure is the NAIC 2022 countrywide average for Hawaii - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20