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
Hawaii has one of the larger rental markets in the country, and renters here pay around $16/month — 26% below the national average. In dense urban rental markets like this, theft and water damage from shared building systems are common claim types, making personal property coverage worth carrying even for modest apartments.
Most policies include $100,000 in personal liability coverage and additional living expenses if your unit becomes uninhabitable. Bundling with an existing auto policy typically knocks a meaningful chunk off the premium.