🏠 Home insurance cost in Hilo, HI (2026)
Estimated average: $1,214 per year — -47% vs. the U.S. average of $2,300.
$1,214
Est. home insurance in Hilo
per year
$1,265
Hawaii average
$2,300
U.S. average
44,186
Population
Estimate your home insurance in Hilo
Hilo home insurance estimator
Estimated$765/year
Starts from the Hilo estimate. Get quotes to confirm your price.
Hilo home insurance FAQ
How much is home insurance in Hilo, HI?
The estimated average is $1,214 per year — below the state average (-4% vs. the Hawaii average of $1,265, and -47% vs. the U.S. average).
Is home insurance more expensive in Hilo than elsewhere in Hawaii?
Hilo has about 44,186 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Hilo?
Compare at least three quotes from insurers active in Hilo, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.