Renters Insurance in Honolulu, HI

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Renters insurance in Honolulu, Hawaii

Renters insurance is a key coverage if you’re renting an apartment or house. It protects your rental unit — and any personal belongings within it — against a variety of harms, including wind, theft, fire, or vandalism. Given the reasonable likelihood of a damaging incident, the affordability of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

How much your renters insurance policy costs will come down to a number of factors, including the age of your dwelling, the materials of which it’s made, your apartment’s geographic location, and the pricing strategies of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the extra risk.

The average yearly cost of renters insurance in Honolulu is $174.

Finding cheap renters insurance in Honolulu starts with shopping around and comparing policies. Check out our breakdown of average Honolulu renters insurance premiums to commence your purchase process with as much background info as possible. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Honolulu

Renters insurance rates in Honolulu depend on the insurance company you choose. For instance, State Farm offers the most affordable renters insurance in Honolulu, at just $117 per year. This compares favorably to the city's average cost of $174, providing a $57 discount.

Start your search for a renters insurance policy by reviewing the cheapest companies in Honolulu.

CompanyAverage Annual Rate in Honolulu
State Farm$117
First Insurance$151
Liberty Mutual$176
Universal Insurance$205

Honolulu renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Honolulu, the difference in annual premium between these two tiers is about $63. If you can afford the up-front expense, it's an option worth considering.

Coverage LevelAverage Annual Rate in Honolulu
$25K Property$142
$50K Property$205

Tip: bundle your auto and renters insurance policies in Honolulu

If you’re seeking ways to save on your insurance expenditures, consider carrying your renters and auto policies with the same insurance company. Combining renters and car insurance in Honolulu can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.6% on car insurance premiums. The car insurance company with the cheapest bundled rate is GEICO, followed by State Farm and USAA.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.