Compare average insurance rates in Makakilo for 2026
🏠
Home
$2295
/year
🚗
Auto
$2550
/year
🏥
Health
$575
/month
💰
Life
$21
/month
🏢
Renters
$34
/month
Home Insurance in Makakilo, HI
The average cost of homeowners insurance in Makakilo, Hawaii is $2,295 per year in 2026. This compares to the state average of $1,350 per year.
$2,295per year (avg in Makakilo)
$1360HI avg: $1,350$3740
Factors Affecting Home Insurance in Makakilo
🏠
Home Value Average: $835,000
🌪
Weather Risk high
🌊
Flood Zone 18% of properties
📈
Cost Index 1.7 (100 = national avg)
⚠️
Hurricane Zone: Makakilo is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
📌
Earthquake Zone: Makakilo is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$668,000
$334,000
$100,000
$1,721
Standard (HO-3)
$835,000
$417,500
$300,000
$2,295
Premium (HO-5)
$1,043,750
$626,250
$500,000
$3,098
Auto Insurance in Makakilo, HI
The average annual cost of auto insurance in Makakilo is $2,550, compared to the Hawaii state average of $1,500.
$2,550per year (avg in Makakilo)
$1530HI avg: $1,500$3740
📋
Minimum Coverage in Hawaii: 20/40/10
⚖️
No-Fault State: Hawaii is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,402
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,550
Premium
250/500/250
$250 deductible
$250 deductible
$3,315
Health Insurance in Makakilo, HI
The average monthly health insurance premium in Makakilo is $575 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$575per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$414
$7,000
$9,100
Healthy, low usage
Silver
$575
$4,500
$9,100
Moderate usage
Gold
$718
$1,650
$8,700
Regular medical needs
Platinum
$862
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Makakilo
💰 Life Insurance
$21
per month (20-year term, $500K)
Life insurance rates in Hawaii are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $21/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$34
per month (avg in Makakilo)
Renters insurance in Makakilo covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Makakilo
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Makakilo, HI is $2,295 per year for a standard HO-3 policy. Rates range from $1,360 to $3,740 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Makakilo is $2,550 per year for full coverage. Liability-only coverage averages around $1,148 per year. Hawaii requires minimum coverage of 20/40/10.
Insurance costs in Makakilo are above the national average (cost index: 1.70). Home insurance averages $2,295/yr and auto insurance $2,550/yr. Higher costs are driven by hurricane exposure, earthquake vulnerability, significant flood zones (18% of homes).
Key factors include: local cost of living (index: 1.70), hurricane exposure, earthquake vulnerability, significant flood zones (18% of homes), average home values ($835,000), your personal claims history, credit score, and no-fault insurance laws in Hawaii.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Makakilo residents can potentially save $969+ per year.
Hawaii requires minimum auto liability coverage of 20/40/10 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
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