Honolulu Insurance Rates:

Honolulu, HI home insurance is about $811 to $1,098, about $67-$91/month. Our thorough research shows customers can save as much as $382 by getting different quotes

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Honolulu Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $250/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $460,000

2 Beds, 2 Bath 1480 sqft Rental Property Constructed In 1979 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1570/12 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $565,000

3 Beds, 3 Bath 1920 sqft Rental Property Constructed In 1973 with Stone Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $910/8 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,360,000

5 Beds, 5 Baths 4040 sqft Primary Residence Constructed In 1989 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/1 month for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $875,000

4 Beds, 4 Baths 2680 sqft Vacation Property Constructed In 1979 with Stone Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $100/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $460,000

4 Beds, 4 Baths 1630 sqft Rental Property Constructed In 1962 with Linoleum, Metal Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $640/7 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $345,000

1 Bed, 1 Bath 609 sqft Rental Property Constructed In 1980 with Linoleum, Tile Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

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Honolulu Rates & Quotes Analysis:

Honolulu Area Estimated House Insurance
Kaimanahila St, Kahaloa Dr, Kiwila St, Funston Rd, Kawaihae Pl, Kahaha St, Kualono St, Matsonia Dr, Elm St, Gulick Ave$945
Hoopii Pl, Onini Pl, Halehoola Pl, Lelehune Pl, N Kuakini St, Kiele Pl, Iholena Pl, Kolopua St, Makalika Ct, Hokulani St$None
Casey St, Kiionioni Loop, Kopke St, Alahee St, Gordon St, Hoahana Pl, Fort St, Manaiki Pl, Kaamalio Dr, Colburn St$889
Mokuhano Pl, Pahukui St, 11th Ave, Emerson St, Panini Loop, Maluhia Rd, Bishop Cir, Kawaiahao St, Kaikunane Loop, Ahua St$962
Kumulani St, Lounsbury St, Moanawai Pl, Barron Ln, Monterey Pl, Gardenia St, Keikilani Cir, Moanalualani Pl, Holua Way, Bishop St$1,009
Napoko Pl, 16th Ave, Nahoku Pl, Chaplain Ln, Kaliawa St, Manamana Pl, Hunter St, Flarety Cir, E Manoa Rd, Hoe St$1,001
Crater Rd, Miloiki Pl, N Kukui St, Halenoho Pl, Anderson Cir, Dement St, Ala Ulike Pl, Koko Uka Pl, Davenport St, Moreell Cir$926
Puuhale Pl, Frog Ln, Papali Pl, Yvonne Pl, E Manoa Rd, Woodlawn Dr, Niepers Ln, Huanu St, Paul Ln, Whiting St$951
Kuwili St, Kamuela Pl, Waiohinu Dr, Coyne St, Namur Rd, Nu Pl, Kona St, Palekaua St, Kepuhi St, Rice St$None
Morris Ln, Palolo Ave, Loomis St, Ahiahi St, South St, Ala Opeha Pl, Ohua Ave, Kauhana St, Malu Pl, Aleo Pl$945

Insurance rates are influenced by a number of factors including:

  • Year Built: 21,746 Homes (13% of total) built between 1950 to 1959 in Honolulu are paying home insurance between $1,797-$1,811 and varies from Haena (+$134), Hanalei (+$77), Omao (+$28), Kekaha-Waimea (-$55) and Kauai County (-$35).
  • Bedrooms: 49,222 2 bedrooms homes (32% of total homes ) in Honolulu are paying about $220 in contrast with Haena (+$17), Hanalei (+$10), Omao (+$4), Kekaha-Waimea (-$7) and Kauai County (-$4).
  • Auto Insurance Bundling: 15,011 Households (21% of all households) in Honolulu have 3 or more vehicles available and when it is bundled with home insurance you can save $238 compared to Kekaha-Waimea ($231), Kauai County ($234), Kekaha ($232).
  • Senior Discounts: 45,226 seniors (more than 55 years) occupied housing units (64% of total) in Honolulu get discounts between $142 to $145 and differs from Kekaha-Waimea ($138), Kauai County ($140), Kekaha ($139).
  • New Homes discounts: New homes such as the 47,781 homes built between 2000 to 2009 in Honolulu can save $191 compared to Kekaha-Waimea ($185), Kauai County ($187), Kekaha ($185).

Honolulu Homeowners insurance Facts

  • Honolulu, HI has 70,631 owner occupied houses which is 48.5% of all units whereas Niihau, Kekaha-Waimea and Kauai County have 0%, 57.01% and 62.92% respectively.
  • Honolulu, HI homeowners yearly insurance price at $955 is 0.16% of the typical house value of $602,700 which is in contrast with 0.21% in Kekaha-Waimea, 0.18% at Kauai County & 0.2% in Kekaha.
  • Homeowners in Honolulu, HI pay 7.64% of their income ($10,000 to $14,999) in insurance whereas homeowners in Kekaha-Waimea, Kauai County and Kekaha pay 7.41%, 7.5% and 7.43% respectively.
  • Honolulu, HI’s insurance is 3.3% of monthly housing costs of $2,449/month, for owners with a mortgage compared to 3.87% in Kekaha-Waimea, 3.51% at Kauai County & 3.97% in Kekaha. But, for households without a mortgage, insurance is 13.9% of costs ($572 in Honolulu, HI) in contrast with 21.38% in Kekaha-Waimea, 17.07% at Kauai County & 22.77% in Kekaha.

Honolulu, HI Home Values & Insurance rates

For example, insurance for 3,725 Homes (19.0% of total homes ) valued between $250,000 to $299,999 in Honolulu, HI is about $429. Rates in nearby areas in such as Hanalei, Princeville, Kilauea are cheaper by $110, $110, $8 respectively while Kekaha-Waimea and Kauai County are costlier by $135 and $68 respectively for similar homes.

Honolulu, HI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 678 3.0% $38
$50,000 to $59,999 295 1.0% $76
$100,000 to $124,999 603 3.0% $171
$150,000 to $174,999 507 2.0% $248
$175,000 to $199,999 659 3.0% $296
$200,000 to $249,999 2,863 15.0% $353
$250,000 to $299,999 3,725 19.0% $429
$300,000 to $399,999 9,016 47.0% $553

Renters Insurance in Honolulu

  • Average Renters Insurance in Honolulu :  $148($12/month)

  • Median Gross Rent in Honolulu :  $1,257

  • Honolulu Renters Insurance to Median Rent Ratio:  0.95%

  • Renter occupied housing units in Honolulu :  75,092

Honolulu Renters Insurance as a Percentage of Rent

Honolulu Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,074 1.0% $337
$200 to $299 1,646 2.0% $787
$300 to $499 2,697 3.0% $1237
$500 to $749 5,535 7.0% $1912
$750 to $999 10,723 15.0% $2662
$1,000 to $1,499 24,459 34.0% $3787
$1,500 or more 24,808 34.0% $5437

Protective device discount in Honolulu Up to :  $22

Claims-free discount in Honolulu Up to :  $29

Honolulu, HI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
96821 $899,400 $1,030
96816 $731,100 $990
96825 $702,000 $990
96822 $593,200 $970
96819 $590,300 $950
96817 $584,600 $950
96813 $525,500 $960
96818 $457,000 $940
96814 $436,900 $930
96815 $421,000 $940
96826 $361,400 $910