DB and Allstate are the best cheap renters insurance companies in Hawaii. DB ranks first for affordable rates, starting at $14 monthly. Allstate has the best customer reputation and offers the most comprehensive coverage options.
Cheap Renters Insurance in Hawaii
Updated: April 23, 2025
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Key Takeaways
DB is Hawaii's best overall renters insurance company, offering the cheapest policy at $173 annually.
Renters insurance in Hawaii costs around $20 per month but ranges from $14 to $29.
To get the best and most affordable renters insurance, determine your coverage needs first, research costs and compare multiple quotes.
Hawaii Renters Insurance Quote Estimates
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Rates updated:
Apr 24, 2025
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Best Cheap Renters Insurance Companies in Hawaii
| Zephyr | No Data | $29 | $347 |
| DB | 82 | $14 | $173 |
| Allstate | 81 | $20 | $238 |
| FICOH | 69 | $22 | $269 |
| AIG | 66 | $23 | $273 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Hawaii
While the list above covers most renters, it may not reflect the best options for your needs. Below is a filterable table tailored to match your profile, helping you find the best choice in Hawaii.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| State Farm | 100 | $12 | $140 |
| DB | 84 | $13 | $150 |
| Allstate | 80 | $19 | $233 |
| AIG | 72 | $19 | $224 |
| FICOH | 70 | $20 | $245 |
Best Hawaii Renters Insurance Reviews
Below are more details about our top picks for affordability, customer service and coverage options for renters insurance in Hawaii.
DB: Most Affordable Plans
pros
Lowest rates
Customizable coverage options
Financial stability
cons
Below-average customer satisfaction
Limited online options
COMPANY HIGHLIGHTS
DB is the most affordable provider of renters insurance in Hawaii, with rates averaging $14 monthly. The regional provider specializes in Hawaii coverage and offers customizable plans to meet renters' needs.
Allstate: Best for Coverage Options
pros
Most extensive add-on coverage selection
Affordable rates
cons
Lower-than-average customer satisfaction ratings
Less affordable for higher property damage coverage levels
COMPANY HIGHLIGHTS
Allstate earns our third spot for best overall renters insurance in Hawaii, balancing affordability, coverage and customer service. It ranks second for affordability in our study, despite below-average customer and claims satisfaction scores from J.D. Power. Allstate's unique coverage options include credit card coverage and add-ons to replace select personal property up to its actual cash value.
Average Cost of Renters Insurance in Hawaii
Renters insurance costs about $20 monthly in Hawaii, matching the national average. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible.
Your rate may vary based on your profile. Check our table below for major factors affecting premiums and average costs for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $20 | $243 |
Hawaii Renters Insurance: Buyer's Guide
Choosing the best renters insurance in Hawaii can be tough with so many options. This guide will help you find the ideal coverage for your needs.
How to Find the Best Cheap Renters Insurance in Hawaii
To find the best and cheapest renters insurance for your needs, follow our step-by-step guide below.
- 1
Determine the right coverage level
Identify what you want covered and its value. Consider risks like weather damage, crime and pet liabilities. This helps you get accurate quotes.
- 2
Research costs and discounts
Check average renters insurance costs to benchmark quotes. Look for discounts you qualify for, such as being claim-free or having security systems.
- 3
Compare providers
Research providers' reputations, costs and coverage before getting quotes. Create a shortlist of competitive options.
- 4
Consider bundling
Look into bundling renters and auto insurance. The savings on auto insurance might offset the renters insurance cost.
- 5
Get multiple quotes
Gather at least five quotes from comparison sites, provider sites, brokers and phone agents. This ensures the best affordable rate.
- 6
Compare policies annually
Annual review keeps your insurance costs in check. Compare yearly to ensure you get the most affordable rate.
How Much Renters Insurance Do I Need in Hawaii?
Renters insurance isn't required by law in Hawaii, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pet ownership. Consider how much property you want covered, weather risks, crime in your area and if you own a pet.
Use our calculator below to determine your ideal personal property limits and how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Hawaii Renter Risk Considerations
Key risks for Hawaii renters and additional coverage considerations:
- Weather risks: Hurricanes are Hawaii's most common natural disaster. The state also faces a high risk of earthquakes, flooding and volcanic damage depending on location. Standard coverage may not protect against these threats in high-risk areas, requiring separate purchases.
- Crime risks: Hawaii ranks sixth highest for property crime nationwide and 38th for identity theft and fraud. Consider add-ons or supplemental property damage coverage for your renters policy.
- Pet ownership: Depending on your pet, consider pet liability coverage. Check how different providers handle pet coverage and whether it comes standard with policies.
- Property types: Standard policies may not fully cover special tools, valuables, electronics or structures like pools on your rented property. Look for companies offering specific add-ons for these items.
How Does Renters Insurance Coverage Work?
Renters insurance covers property damage, liability for harm to others and helps with expenses if you can't use your rental home. Here's what it typically covers:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for damaged or stolen personal items up to your policy limit. Basic coverage reimburses the depreciated value, while replacement cost coverage pays for new equivalent items. | |
Standard | Covers medical and legal costs if someone gets hurt in your rental. Many landlords require this protection. | |
Additional living expenses | Standard | Helps pay for temporary housing, meals and transportation when your rental becomes uninhabitable. Limits vary by insurer. |
Natural disasters | Add-on | Provides coverage for earthquake or flood damage. Available through select insurers as separate policies. |
Parts/Equipment | Add-on | Covers tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures valuable items up to specific limits |
Identity theft | Add-on | Covers financial losses and legal expenses from identity theft. Some policies include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet, though standard policies may include this |
Modifications | Add-on | Covers custom additions you've made to your rental |
Food loss | Add-on | Reimburses food lost during covered incidents |
Best Renters Insurance in Hawaii: Bottom Line
DB and Allstate are the best and cheapest overall renters insurance companies in Hawaii. While we recommend these options, research for yourself and compare multiple companies and quotes to get the best deal.
Renters Insurance in Hawaii: FAQ
Below are our experts' answers to common questions:
What is the cheapest renters insurance company in Hawaii?
DB offers the cheapest renters insurance in Hawaii, with an average annual premium of $173 or $14 per month.
What is the best renters insurance company in Hawaii?
DB is the best renters insurance company in Hawaii, with a MoneyGeek score of 82 out of 100 for its cost-effective policies and solid customer satisfaction.
How much does renters insurance cost in Hawaii?
The average cost of renters insurance in Hawaii is $243 per year or $20 per month, matching the national average. Annual premiums range from $173 to $347, depending on your provider and personal profile.
Is renters insurance required in Hawaii?
Hawaii doesn't legally require renters insurance, but your landlord may. Consider your situation to decide if a policy makes sense for you. Key reasons to get coverage include protecting your belongings from common hazards and covering liability costs if someone gets hurt in your rental.
How We Found the Best Cheap Renters Insurance Companies
We based our affordability score (60% of the total score) on quotes for a profile with:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
Our complete scoring also considered:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed April 23, 2025.
- State of Hawaii, Department of Health | Disease Outbreak Control Division. "Natural Disasters." Accessed April 23, 2025.
- U.S. News. "Low Property Crime Rate." Accessed April 24, 2025.