Average Renters Insurance Cost in Hawaii

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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

In Hawaii, the average monthly cost of renters insurance is $21. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find 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

According to our data, State Farm provides the most affordable renters insurance in Hawaii, with an average annual rate of $113, followed by Dongbu Insurance and AIG.

Getting quotes from multiple renters insurance companies in Hawaii is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies 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

As we discussed above, the average cost of renters insurance in Hawaii is $252 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $167 per year for renters insurance in Hawaii, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Hawaii for personal property coverage amounts 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.