🏠 Home insurance cost in Kailua, HI (2026)
Estimated average: $1,214 per year — -47% vs. the U.S. average of $2,300.
$1,214
Est. home insurance in Kailua
per year
$1,265
Hawaii average
$2,300
U.S. average
40,514
Population
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Kailua home insurance estimator
Estimated$765/year
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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.