Updated: March 11, 2026
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Top renters insurer in Hawaii: State Farm
Most affordable renters insurance in Hawaii: State Farm
Hawaii average renters insurance cost: $157 per year
Hawaii's best renters insurance provider is State Farm, which earns a MoneyGeek score of 4.9 out of 5. At $9 monthly, it scores well for affordability and customer experience.
These five companies earned the top MoneyGeek scores for renters insurance in Hawaii:
| State Farm | 4.94 | $9 | $111 |
| Allstate | 4.66 | $11 | $134 |
| RLI Insurance | 4.53 | $13 | $157 |
| USAA | 4.44 | $12 | $146 |
| DB Insurance | 4.26 | $13 | $150 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Hawaii Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Hawaii renters can pay as little as $9 per month through State Farm for $20,000 in personal property coverage. That's $4 less per month than Hawaii's $13 average, saving you $48 per year compared to the state average.
The six most affordable companies range from $9 to $20 monthly for identical coverage. Four of six insurers charge less than Hawaii's $13 state average for cheapest renters insurance.
| State Farm | $9 | $-4 |
| Allstate | $11 | $-2 |
| USAA | $12 | $-1 |
| DB Insurance | $13 | $-1 |
| RLI Insurance | $13 | $0 |
| Hawaiian Insurance Group | $20 | $7 |
At $157 annually, Hawaii renters pay $13 per month for renters insurance, which is $3 less than the national average of $16. Despite the state's susceptibility to hurricanes and floods, plus higher living costs that usually drive up insurance pricing, Hawaii's rates remain below the national norm, though local housing demand and natural disaster risks still influence what insurers charge for coverage.
Honolulu and Kailua share the lowest average for renters insurance in Hawaii at $13 monthly ($155 annually), while Laupahoehoe has the highest rates at $13 per month ($160 annually). The spread across cities is narrow, with most near $13 per month, though crime rates and weather exposure account for the differences between locations.
| Honolulu | $13 | $155 |
| Kailua | $13 | $155 |
| Kilauea | $13 | $160 |
| Laupahoehoe | $13 | $160 |
Hawaii renters will find State Farm offers the most affordable rates across all coverage levels. The insurer provides the cheapest options from $20,000 to $250,000 in personal property coverage, including $100,000 liability limits for lower tiers. State Farm's highest coverage level costs $33 monthly for $250,000 in personal property protection and $300,000 in liability coverage.
| $20K Personal Property / $100K Liability | State Farm | $9 |
| $50K Personal Property / $100K Liability | DB Insurance | $13 |
| $100K Personal Property / $100K Liability | State Farm | $20 |
| $250K Personal Property / $300K Liability | State Farm | $33 |
Getting the right coverage starts with knowing your coverage options, estimating what your belongings are worth and shopping around for quotes.
Shopping around saves money since rates vary widely between companies. State Farm charges $9 monthly while Hawaiian Insurance Group charges $20 for identical $20,000 coverage. That's $11 monthly for the same protection, so find the lowest rate by comparing at least three quotes online.
Keeping both policies with one insurer cuts 10% to 25% off each premium. State Farm and Auto-Owners provide bundling discounts that reduce your total insurance costs while simplifying your monthly billing into one payment.
Higher deductibles reduce your monthly premium but increase what you'll pay when filing claims. Before raising your deductible, confirm your emergency fund can cover the higher out-of-pocket costs if you need to file a claim.
Always ask what discounts you qualify for since they don't apply automatically. Hawaii insurers offer savings for security systems, smoke detectors, claims-free history and automatic payments. State Farm provides good student discounts for renters under 25 with a B average.
Most landlords in Hawaii require at least $100,000 in liability coverage, though the state doesn't mandate renters insurance. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.
Use our calculator below to find out how much renters insurance you need.
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.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
State Farm earns the top spot for Hawaii's best renters insurance with a MoneyGeek score of 4.9 out of 5. At just $9 monthly, it offers high customer satisfaction at affordable rates.
Hawaii renters insurance costs $13 per month or $157 annually for $20,000 in personal property coverage. The state runs $3 below the national average of $16 monthly due to lower severe weather risks compared to mainland states, though property crime rates in metro areas still affect pricing.
State Farm offers the cheapest $100,000 renters insurance coverage in Hawaii at $20 monthly. The average cost across insurers is $38 per month or $453 annually for this coverage level. Most renters select $20,000 to $50,000 in coverage, so the $100,000 tier works best for those with high-value belongings or collectibles.
Hawaii doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific requirements, which may vary based on rental history, credit score and whether you own pets. Check your lease agreement for exact coverage requirements.
We analyzed Hawaii renters insurance companies to find insurers with affordable rates and excellent service.
Quotes were gathered for renters with this profile:
Affordability accounted for 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors earned spots on our list of Hawaii's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
