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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in Hawaii

Renters insurance is a great — and cheap! — way to ensure your personal belongings are insured against common incidents. A renters insurance policy covers items in the event of fire or smoke damage, wind damage, vandalism or theft and a number of other events.

Unlike auto insurance, renters insurance isn't priced specifically by state. Regardless, there are relatively substantial gaps in renters pricing by state. Renters insurance costs by state vary depending on the number of — and value of — renters claims filed across the state, and depend on the value of the belongings insured on the policy.

Getting a renters policy in Hawaii is less expensive than the national average. The average annual cost of renters insurance in Hawaii is $174, $11 less expensive than in other states.

The easiest way to find affordable renters insurance in Hawaii is to get quotes from multiple companies. Learn more about renters insurance rates in Hawaii by referencing the below data. Individual rates may vary depending on coverage options and the value of the items insured.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in Hawaii by company

Rates for renters insurance in Hawaii can vary depending on which insurance company you use. State Farm sells the cheapest renters insurance in Hawaii, at just $117 per year. This beats the state average rate of $174, providing a 33% discount on the typical rates in the state.

Start your search for affordable coverage by viewing average rates from top Hawaii renters insurance carriers, listed below.

Carrier Average Annual Rate in Hawaii
State Farm $117
Allstate $160
Liberty Mutual $176
Universal Insurance $205
Commerce $210

Hawaii renters insurance costs by city

Renters insurance rates in Hawaii vary depending on the city. Policies are often priced on city-specific variables like the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.

The best renters insurance in Hawaii is available in Honolulu. A typical renters insurance term in Honolulu totals just $174 per year — $0 less than the state average. Reference the below table to see the cheapest cities in Hawaii for renters insurance.

City Average Yearly Renters Insurance Rate
Honolulu $174
Pearl City $174
Hilo $174
Kailua $174
Kahului $174

Are you looking for renters insurance info for a particular city? Check out our breakdown of the most populous metropolitan areas in Hawaii.

  1. Honolulu

Renters insurance in HI by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Hawaii, the average annual cost difference between these tiers is about $63. If you can afford the up-front expense, it's an option worth considering.

Coverage Level Average Yearly Renters Insurance Rate in Hawaii
$25K Property $142
$50K Property $205

Tip: bundle auto and renters insurance in Hawaii

If you want to save on insurance, consider purchasing both your car and renters insurance policies from one company. A renters and car insurance bundle in Hawaii can save you a substantial sum each month on auto insurance. Bundling policies in Hawaii may generate a yearly discount of $36.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,081 $1,045 $36 3%

Hawaii renters insurance FAQs


Is renters insurance required 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 Hawaii renters insurance cover?

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.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.