How Much Does Home Insurance Cost in Honolulu, HI?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.920 – $6.720
+92% vs national average
$1.920$4.320$6.720
LowNational avg: $2.250High
Honolulu vs State & National Average
| Category | Honolulu | Hawaii Avg | National Avg |
|---|---|---|---|
| Average cost | $4.320 | $4.217 | $2.250 |
| Low estimate | $1.920 | $3.163 | $1.688 |
| High estimate | $6.720 | $5.482 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Honolulu?
In Honolulu, HI, home insurance typically costs between $1.920 and $6.720. The average is $4.320, which is 92% above the national average.
Is Honolulu expensive for home insurance?
Honolulu has a cost-of-living index of 192 (100 = national average). Home Insurance costs are 92% higher than the national average of $2.250.
What factors affect home insurance costs in Honolulu?
Key factors include local labor costs, cost of materials, market competition, Hawaii state regulations, and Honolulu's overall cost of living (index: 192/100). Prices can also vary by season and specific requirements.