Average renters insurance cost in Hawaii

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Renters insurance in Hawaii costs an average of $252 per year, or $21 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Hawaii?

At $21 per month, renters insurance in Hawaii is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Hawaii: Where to start

On average, renters insurance in Hawaii costs $252 per year, or $21 per month
Among all providers in Hawaii, State Farm consistently comes in with the lowest average rates – around $113 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in Hawaii?

Among insurers operating in Hawaii, State Farm has the lowest average annual premium at $113. Dongbu Insurance and AIG are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in 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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

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

How much does renters insurance cost by coverage level in Hawaii?

The average annual renters insurance premium in Hawaii is $252, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $167. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Hawaii at both the $20,000 and $40,000 personal property coverage levels.

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

People also ask: How much renters insurance coverage do I need?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

Is renters insurance worth it in Hawaii?

For most renters in Hawaii, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Hawaii?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$216/Year

$190/Year

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.