🏠 Home insurance cost in Kailua, HI (2027)
Estimated average: $1,214 per year — -47% vs. the U.S. average of $2,300.
With about 40,514 residents, Kailua is a smaller city and the #4 largest city in Hawaii. Home insurance rates here are estimated at $1,214 per year, below 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 Kailua with other Hawaii cities.
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Kailua home insurance FAQ
How much is home insurance in Kailua, 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 Kailua than elsewhere in Hawaii?
Kailua has about 40,514 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 Kailua?
Compare at least three quotes from insurers active in Kailua, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.