A hand tool with insulation handle. The handle is made of an insulation material and is formed with a hollow portion (11) and an embedding groove (12). The embedding groove (12) is communicated with the hollow portion (11) and located on a front end (101) of the handle. The tool rod (20) includes a shaft (21) having a rear end (211) and a front end (212). The end plug (30) is made of the insulation material and includes a clamping section (31) and an abutting section (32). The rear end (211) of the shaft is positioned in the end plug through snapping the clamping section. The tool rod (20) is replaceablely inserted in the hollow portion (11) of the handle and protrudes from the handle.