Hawaii Renters Insurance

Average Renters Insurance Cost in Hawaii

Renters in Hawaii pay an estimated $168 per year ($14/month) for a standard policy, based on 2026 industry average data.

Renters Insurance Rates by City in Hawaii

What Makes Hawaii Renters Insurance Unique

The state's isolated shipping routes push up the replacement cost of electronics and appliances, which factors into personal property premiums.

Risk Factors Specific to Hawaii

Underwriters in Hawaii weigh high replacement costs for electronics and personal property more heavily than in lower-risk states when pricing renters policies.

Renters Insurance Compared With Rent in Hawaii

The median gross rent in Hawaii was $1,942 a month in 2024 (U.S. Census Bureau, American Community Survey), 31% above the national median of $1,487. Against that, our estimated renters premium of $168 a year — about $14 a month — equals roughly 9% of one month’s rent for a full year of coverage, one of the ten lowest share among the 50 states in our estimates.

The Coverage Detail That Matters Most in Hawaii

In Hawaii, replacing belongings costs more than in most states because goods have to be shipped in, so the coverage limit you need is higher than a mainland estimate suggests. Choose replacement cost coverage for personal property rather than actual cash value, and inventory your belongings at local prices before choosing a limit.

How to Save on Renters Insurance in Hawaii

• Hawaii's credit ban applies to auto insurance only, so a renters insurer may still consider your credit-based insurance score — improving your credit can lower your premium.

Frequently Asked Questions

Is renters insurance required in Hawaii?

No. No U.S. state, including Hawaii, legally requires tenants to carry renters insurance. That said, individual landlords and property management companies in Hawaii can — and often do — require proof of a policy as a lease condition, especially for larger apartment complexes.

How much does renters insurance cost in Hawaii?

Renters in Hawaii pay an estimated $168 per year ($14/month) for a standard policy, based on 2026 industry average data. Actual premiums vary based on coverage limits, deductible, credit history (where allowed), claims history, and the specific building or neighborhood.

Can insurers use your credit score to set renters insurance rates in Hawaii?

Yes. Hawaii bans credit-based scores in auto insurance, but that ban doesn't extend to renters and homeowners coverage, so property insurers may consider a credit-based insurance score along with coverage limits, claims history, and location.

What's the biggest renters insurance risk factor in Hawaii?

In Hawaii, the leading cost factor is replacement cost rather than any single peril. Shipping and import costs for replacing damaged or stolen belongings run higher here than on the mainland, so it's worth choosing a personal property limit that accounts for these higher effective replacement costs.

How much is renters insurance compared with rent in Hawaii?

With a median rent of $1,942 a month (2024) and an estimated premium of $168 a year, a full year of renters insurance in Hawaii costs roughly 9% of one month's rent.

*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.