Average Renters Insurance Cost in Hawaii

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Renters insurance costs in Hawaii vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Hawaii is $252 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Hawaii is $252 per year or $21 per month.
State Farm provides the least expensive renters insurance in Hawaii at an average rate of $113 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Hawaii.

Average renters insurance cost in Hawaii per month

In Hawaii, the average cost of renters insurance is $21 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$21	$3 less

Average renters insurance cost in Hawaii by company

State Farm offers the most affordable renters insurance in Hawaii at an average annual rate of $113, followed by Dongbu Insurance and AIG, based on our data.

However, you should get multiple quotes from various renters insurance companies in Hawaii because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Hawaii.

Company	Average annual rate	Average monthly rate
State Farm	$113	$9
Dongbu Insurance	$153	$13
AIG	$181	$15
Tokio Marine Holdings	$210	$18
Allstate	$264	$22
Island Insurance	$265	$22
Universal Insurance Co	$278	$23
RLI Insurance	$334	$28
Ocean Harbor	$466	$39

Renters insurance calculator in Hawaii

$235/year

Estimated renters insurance rates in Hawaii

$20

Monthly renters insurance cost in Hawaii

-13%

Compared to national average

Average cost of renters insurance in Hawaii by coverage level

On average, Hawaii renters pay $252 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Hawaii to $167 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in Hawaii for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$164	$14
$20,000 with $500 Deductible and $300,000 Liability	$178	$15
$20,000 with $1,000 Deductible and $100,000 Liability	$154	$13
$20,000 with $1,000 Deductible and $300,000 Liability	$167	$14
$40,000 with $500 Deductible and $100,000 Liability	$257	$21
$40,000 with $500 Deductible and $300,000 Liability	$274	$23
$40,000 with $1,000 Deductible and $100,000 Liability	$235	$20
$40,000 with $1,000 Deductible and $300,000 Liability	$252	$21
$60,000 with $500 Deductible and $100,000 Liability	$353	$29
$60,000 with $500 Deductible and $300,000 Liability	$371	$31
$60,000 with $1,000 Deductible and $100,000 Liability	$322	$27
$60,000 with $1,000 Deductible and $300,000 Liability	$340	$28

Final thoughts: Average renters insurance in Hawaii

Renters insurance is a must-have for renters in Hawaii. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.