Renters Insurance in Hawaii

Renters insurance shouldn't be complicated. Compare rates from Hawaii by city and company below.

Find cheap renters insurance in Hawaii

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy protects items from fire, smoke damage, wind, theft or vandalism, and an array of other situations.

Unlike car insurance, renters insurance isn't priced specifically by state. Still, there are relatively large variations in insurance pricing by state. Renters insurance policy prices in a given state differ based on the value of — and total number of — renters claims lodged in the state, and depend on the value of the belongings being insured.

Getting renters insurance in Hawaii is less expensive than the national average. The average annual cost of renters insurance in Hawaii is $174, $11 less expensive than the average across America.

The easiest way to acquire affordable renters insurance in Hawaii is to view prices from as many insurance companies as you can. Learn more about typical renters insurance rates in Hawaii by referencing the below tables. Individual rates may vary depending on coverage options and the value of the items insured.

Hawaii renters insurance:

  1. Rates by company
  2. Rates by city
  3. Insurance bundling discounts
  4. FAQs

Renters insurance rates in Hawaii by carrier

Prices for renters insurance in Hawaii differ depending on which insurance company you select. State Farm underwrites the most affordable renters insurance in Hawaii, at just $117 each year. This beats Hawaii's average cost of $174, offering a 33% price break on average statewide renters insurance costs.

Start shopping for cheap renters insurance by reviewing the most affordable Hawaii renters insurance carriers, listed below.

CompanyAverage Annual Rate in Hawaii
State Farm$116.50
Liberty Mutual$175.50
Universal Insurance$205.00

Hawaii renters insurance by city

Renters insurance rates in Hawaii differ by city. Rates are determined based on on city-specific variables like the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance rates in Hawaii are in Honolulu. The average renters insurance policy in Honolulu costs $174 each year — $0 less than the statewide average. The below cities have the most affordable renters insurance in Hawaii.

CityAverage Annual Renters Insurance Rate
Pearl City$174

Hawaii insurance bundling discounts: renters + auto

If you're trying to save on insurance, consider buying your renters and auto policies from the same insurance company. A renters and auto insurance bundle in Hawaii can lead to substantial savings on auto insurance. Purchasing bundled policies in Hawaii may generate yearly savings of $36.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is to bundle your policies. Get started today!

Searching for information about renters insurance for a particular city? Take a look at our list of major cities in Hawaii.

  1. Honolulu

Hawaii renters insurance FAQs

Do you need renters insurance in Hawaii?

Hawaii does not require you carry renters insurance, but it's generally a good idea. Premiums are generally inexpensive and protect you from covered losses.

What does renters insurance cover in Hawaii?

This can vary based on your needs and your insurance company. Generally, renters insurance includes coverage for your personal belongings, your liability, your medical payments to others, and additional living expenses.