Average Renters Insurance Cost in Hawaii

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In Hawaii, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $252 annually or $21 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

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

The average cost of renters insurance in Hawaii is $21 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

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

Average renters insurance cost in Hawaii by company

Renters in Hawaii can find the most budget-friendly insurance with State Farm, which has an average annual cost of $113, according to our data. Other affordable options include Dongbu Insurance and AIG.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance 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

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

The average annual cost of renters insurance in Hawaii is $252, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $153 a year for renters insurance in Hawaii. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows 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 essential for residents of Hawaii. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.