Best Renters Insurance in Hawaii (2026)

State Farm earns our top spot with a MoneyGeek score of 4.9 out of 5, including perfect 5 out of 5 scores for both affordability and customer experience. Its mobile app lets you file claims without calling or visiting an office, which helps in Hawaii's more remote areas. State Farm also covers personal property loss from volcanic eruptions, which matters for renters across the islands. Its J.D. Power score of 702 ranks first among rank-eligible renters insurers in the 2026 U.S. Home Insurance Study and sits 20 points above the 682 segment average.

At $9 per month ($111 annually), State Farm's renters insurance runs $4 below Hawaii's $13 state average for $20,000 in personal property coverage with a $500 deductible. That gap adds up to $48 in yearly savings.

Allstate holds the second-highest MoneyGeek score in Hawaii at 4.7 out of 5, with 4.8 for affordability and 4.9 for customer experience. You can report claims through its mobile app after property damage or theft. Its coverage score of 3.3 out of 5 trails State Farm, RLI and DB, so it fits renters who value price and service over coverage options. Allstate's J.D. Power score of 667 sits 15 points below the 682 industry average.

With Allstate, Hawaii renters pay roughly $11 per month or $134 annually for $20,000 in personal property coverage and a $500 deductible. That rate runs $2 below Hawaii's $13 monthly state average, saving $24 per year.

RLI earns a MoneyGeek score of 4.5 out of 5, with a 4.6 for coverage and a 4.5 for customer experience. A dedicated claims representative supports you through the claims process, giving you direct access to help when you need it. RLI also includes identity theft protection with its renters policy. At $13 monthly, its premium matches Hawaii's state average.

Hawaii renters pay about $13 per month or $157 per year through RLI for $20,000 in personal property coverage and a $500 deductible. This rate matches Hawaii's $13 monthly state average.

Policyholders in Hawaii file and track claims through USAA’s mobile app instead of calling or visiting an office. The company holds a MoneyGeek score of 4.4 out of 5 and performs well for affordability and customer experience. Multi-policy bundling discounts lower costs further for military families, and Its J.D. Power score of 731 sits 49 points above the 682 segment average, though J.D. Power doesn't rank USAA because it doesn't meet the study's award criteria. Membership is limited to military members and their families.

USAA charges Hawaii renters about $12 per month or $146 annually for $20,000 in personal property protection and a $500 deductible. This price runs $1 below Hawaii's $13 monthly state average, saving $12 per year.

DB earns a MoneyGeek score of 4.3 out of 5, with 4.6 for affordability and 4.5 for coverage. A dedicated claims representative supports you throughout the claims process, and DB covers personal property loss from volcanic eruptions in Hawaii. Its customer experience score of 3.8 out of 5 is the lowest of the five providers, so it's a stronger pick for coverage and price than for service.

With DB, Hawaii renters pay roughly $13 per month or $150 per year for $20,000 in personal property coverage and a $500 deductible. This price falls $1 below Hawaii's $13 monthly state average, saving $12 annually.