Renters Insurance in Hawaii — Average Cost 2026
Average renters insurance in Hawaii: $195/year ($16/month). Hawaii ranks #1 out of 51 states — below the national average.
Average annual
$195
Average monthly
$16
National rank
#1
of 51 states
vs national avg
-25.9%
Hawaii vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Renters insurance in Hawaii
Renters in Hawaii pay approximately 26% below the national average for renters insurance. At just $16/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.