Average Renters Insurance Cost in Hawaii

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Renters insurance costs in Hawaii vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Hawaii is $247 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

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

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 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.

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.