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When you rent a house or apartment, your property owner typically has insurance to cover the building’s exterior. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renters insurance for those claims.

Renters insurance can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters insurance companies in Hawaii, but not all of them are worth your time. We have compared the best renters insurance companies based on their average premium cost and customer service rating to make your job easier.

Best renters insurance companies in Hawaii

When it comes to choosing the best renters insurance company in Hawaii, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Hawaii. Below is the list of best renters insurance companies in Hawaii:

  • State Farm
  • Allstate
  • Liberty Mutual

Compare best renters insurance companies in Hawaii

State Farm is our top pick for the best renters insurance company in Hawaii. Its average rate for Hawaii residents is $155 and earned the highest J.D. Power score (866) among the carriers surveyed.

Apart from State Farm, you can get Hawaii renters insurance from carriers like Allstate and Liberty Mutual. All these companies provide the most affordable renters insurance policies and they have earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Hawaii. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance company for your rented home or apartment.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$155
Liberty Mutual823$288

How much is renters insurance in Hawaii

The average annual premium cost for renters insurance in Hawaii is $198 or $17 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $40,000 for personal property coverage, with a $1,000 deductible, based on a rate analysis by

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy.

Average annual premiumAverage monthly premium

Most expensive zip code in Hawaii for renters insurance

96701 is most expensive zip code in Hawaii with average annual rate of $198. The cost of renters insurance in Hawaii can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to higher renters insurance premiums.

Cheap renters insurance in Hawaii by carrier

State Farm is the cheapest renters insurance company in Hawaii that provides renters insurance policy at an average of $139 a year, based on's rate analysis.

There are major insurance carriers in Hawaii that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing rates. The table below shows some of the cheapest renters insurance providers in the state.

Company nameAverage annual premium
State Farm$139
First Fire Insurance$182