Home Renters insurance Renters insurance cost Average renters insurance cost in Hawaii Average renters insurance cost in Hawaii Discover the average cost of renters insurance in Hawaii and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: June 25, 2025 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 $247 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 $247 per year or $21 per month.State Farm provides the least expensive renters insurance in Hawaii at an average rate of $143 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 monthThe 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 monthDifference compared to national average$21$1 lessAverage renters insurance cost in Hawaii by companyState Farm offers the most affordable renters insurance in Hawaii at an average annual rate of $143, 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.CompanyAverage annual rateAverage monthly rateState Farm$143$12Dongbu Insurance$150$13AIG$181$15Tokio Marine Holdings$221$18Allstate$253$21Island Insurance$265$22Universal Insurance Co$278$23RLI Insurance$334$28Ocean Harbor$397$33 Renters insurance calculator in Hawaii Select your state Hawaii Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $231/year Estimated renters insurance rates in Hawaii $19 Monthly renters insurance cost in Hawaii -6% Compared to national average Get quotes Average cost of renters insurance in Hawaii by coverage levelOn average, Hawaii renters pay $247 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 $165 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 levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$160$13$20,000 with $500 Deductible and $300,000 Liability$175$15$20,000 with $1,000 Deductible and $100,000 Liability$151$13$20,000 with $1,000 Deductible and $300,000 Liability$165$14$40,000 with $500 Deductible and $100,000 Liability$249$21$40,000 with $500 Deductible and $300,000 Liability$266$22$40,000 with $1,000 Deductible and $100,000 Liability$231$19$40,000 with $1,000 Deductible and $300,000 Liability$247$21$60,000 with $500 Deductible and $100,000 Liability$340$28$60,000 with $500 Deductible and $300,000 Liability$357$30$60,000 with $1,000 Deductible and $100,000 Liability$312$26$60,000 with $1,000 Deductible and $300,000 Liability$329$27Final thoughts: Average renters insurance in HawaiiRenters 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Hawaii Average homeowners insurance cost in Hawaii Average car insurance cost in Hawaii Non-owner car insurance in Hawaii Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Do I have to pay homeowners insurance through escrow? By Kat Tretina Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite On this page Average renters insurance cost in Hawaii per monthAverage renters insurance cost in Hawaii by companyAverage cost of renters insurance in Hawaii by coverage levelFinal thoughts: Average renters insurance in Hawaii ZIP Code Please enter valid ZIP See rates (844)-761-9316