Average Renters Insurance Cost in Hawaii

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Renters insurance costs in Hawaii vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Hawaii pay $247 per year or $21 per month for a policy that includes $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 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	$1 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 $143, 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	$143	$12
Dongbu Insurance	$150	$13
AIG	$181	$15
Tokio Marine Holdings	$221	$18
Allstate	$253	$21
Island Insurance	$265	$22
Universal Insurance Co	$278	$23
RLI Insurance	$334	$28
Ocean Harbor	$397	$33

Renters insurance calculator in Hawaii

$231/year

Estimated renters insurance rates in Hawaii

$19

Monthly renters insurance cost in Hawaii

-6%

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 $247 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 $150 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	$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	$27

Renters and auto bundle discounts in Hawaii

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.

Bundling policies can help you save an average of 5% annually in Hawaii. Geico offers the cheapest rate on renters and auto insurance bundle. You can save 3% a year on your premiums.

Company	Average annual rate	$ bundle average savings	% bundle average savings
Geico	$1,053	$32	3%
State Farm	$1,053	$82	7%
Allstate	$1,958	$94	5%
USAA	$1,094	$51	4%

Final thoughts: Average renters insurance in Hawaii

Renters insurance is a must for Hawaii renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

How much is renters insurance in other states

Alaska$257/Year

Alabama$324/Year

Arkansas$363/Year

Arizona$260/Year

California$271/Year

Colorado$191/Year

Connecticut$292/Year

Washington, D.C.$272/Year

Delaware$181/Year

Florida$248/Year

Georgia$352/Year

Iowa$203/Year

Idaho$184/Year

Illinois$246/Year

Indiana$269/Year

Kansas$251/Year

Kentucky$207/Year

Louisiana$504/Year

Massachusetts$262/Year

Maryland$256/Year

Maine$198/Year

Michigan$340/Year

Minnesota$211/Year

Missouri$231/Year

Mississippi$387/Year

Montana$275/Year

North Carolina$366/Year

North Dakota$192/Year

Nebraska$295/Year

New Hampshire$173/Year

New Jersey$207/Year

New Mexico$201/Year

Nevada$246/Year

New York$293/Year

Ohio$252/Year

Oklahoma$281/Year

Oregon$288/Year

Pennsylvania$274/Year

Rhode Island$476/Year

South Carolina$294/Year

South Dakota$202/Year

Tennessee$290/Year

Texas$226/Year

Utah$204/Year

Virginia$235/Year

Vermont$182/Year

Washington$222/Year

Wisconsin$167/Year

West Virginia$248/Year

Wyoming$136/Year

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.