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 $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 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	$1 less

Average renters insurance cost in Hawaii by company

State 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.

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

On 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 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

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.

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

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.