How Much Does Renters Insurance Cost in Hawaii?
Hawaii pricing is above the national average. Updated for 2024-2025.
Renters Insurance Pricing in Hawaii
In Hawaii, the average cost for renters insurance is $28 per month, which is 42% higher than the national average of $20. Most Hawaii residents pay between $14 and $50.
Hawaii has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Hawaii may be even higher.
Protects belongings, provides liability coverage, and covers additional living expenses.
Hawaii vs National Average
What Affects Renters Insurance Cost in Hawaii?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
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Top-Rated Renters Insurance Pros in Hawaii
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💡 Tips to Save on Renters Insurance in Hawaii
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Hawaii Cost Trends (2020–2024)
Prices have increased +21.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $23 | — |
| 2021 | $24 | +4.3% |
| 2022 | $26 | +8.3% |
| 2023 | $27 | +3.8% |
| 2024 | $28 | +3.7% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Hawaii
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
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