🏠 Home insurance cost in Honolulu, HI (2027)
Estimated average: $1,316 per year — -43% vs. the U.S. average of $2,300.
With about 343,421 residents, Honolulu is a large city and the largest city in Hawaii. Home insurance rates here are estimated at $1,316 per year, above the Hawaii average of $1,265 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Honolulu with other Hawaii cities.
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Honolulu home insurance FAQ
How much is home insurance in Honolulu, HI?
The estimated average is $1,316 per year — above the state average (+4% vs. the Hawaii average of $1,265, and -43% vs. the U.S. average).
Is home insurance more expensive in Honolulu than elsewhere in Hawaii?
Honolulu has about 343,421 residents. Larger metro areas usually see higher 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 Honolulu?
Compare at least three quotes from insurers active in Honolulu, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.