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Renters insurance costs in Hawaii varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Hawaii is $231 per year or $19 per month for coverage limits of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ.

Renters insurance companies in Hawaii

State Farm offers affordable renters insurance in Hawaii at an average annual rate of $118 followed by Dongbu Insurance and AIG, based on Insure.com’s analysis.

But it’s smart to get multiple quotes for various renters insurance companies in Hawaii because the prices vary a lot among carriers.

Below we have compared the average annual and monthly renters insurance rates of insurance companies across Hawaii.

CompanyAverage annual rateAverage monthly rate
State Farm$118$10
Dongbu Insurance$150$13
AIG$181$15
Tokio Marine Holdings$206$17
Allstate$218$18
Island Insurance$251$21
Universal Insurance Co$263$22
RLI Insurance$318$27
Ocean Harbor$372$31

Renters insurance calculator in Hawaii

$231/year
Estimated renters insurance rates in Hawaii
$19
Monthly renters insurance cost in Hawaii
-8%
Compared to national average

Average cost of renters insurance in Hawaii by coverage level

As we discussed above, in Hawaii, the average cost of renters insurance is $231 per year. These rates are for the coverage level of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $151 per year for renters insurance in Hawaii for $100,000 in liability protection and $1000 deductible.

Find below the average cost of renters insurance in Hawaii for personal property coverage of $20,000 and $40,000.

Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate
$20,000$151$13
$40,000$231$19
$60,000$312$26

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 13% per year in Hawaii. Universal Insurance Co offers the cheapest rate on renters and auto insurance bundle, you can save 4% a year on your premiums.

CompanyAverage annual rate$ bundle average savings% bundle average savings
Universal Insurance Co$368$154%
State Farm$405$12524%
Dongbu Insurance$418$4610%
Allstate$422$9418%
Island Insurance$550$6110%
Ocean Harbor$775$12314%

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. Consider factors like coverage options, deductibles, and customer reviews in addition to price.

Methodology

Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in Hawaii. These rates include a coverage limit of $100,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none.

How much is renters insurance in other states

Alaska$223/Year
Alabama$329/Year
Arkansas$337/Year
Arizona$218/Year
California$257/Year
Colorado$173/Year
Connecticut$250/Year
Delaware$230/Year
Florida$359/Year
Georgia$330/Year
Iowa$181/Year
Idaho$174/Year
Illinois$211/Year
Indiana$240/Year
Kansas$236/Year
Kentucky$193/Year
Louisiana$495/Year
Massachusetts$234/Year
Maryland$243/Year
Maine$172/Year
Michigan$337/Year
Minnesota$200/Year
Missouri$206/Year
Mississippi$394/Year
Montana$246/Year
North Dakota$153/Year
Nebraska$242/Year
New Hampshire$155/Year
New Jersey$181/Year
New Mexico$194/Year
Nevada$235/Year
New York$272/Year
Ohio$226/Year
Oklahoma$262/Year
Oregon$254/Year
Pennsylvania$241/Year
Rhode Island$436/Year
South Dakota$184/Year
Tennessee$272/Year
Texas$225/Year
Utah$181/Year
Virginia$219/Year
Vermont$166/Year
Washington$224/Year
Wisconsin$148/Year
West Virginia$236/Year
Wyoming$126/Year
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Shivani Gite
Contributing Writer

 
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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.