Renters Insurance

Who Has the Best Renters Insurance in Hawaii?

Who Has the Best Renters Insurance in Hawaii?

Liberty Mutual offers the cheapest renters insurance quotes in Hawaii. A typical policy from the company costs $15 per month.

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The cheapest company isn't the right choice for everyone. The best insurance companies in Hawaii provide affordable rates, useful coverage options and reliable customer service.

To help you find the best renters insurance, we compared quotes from five top insurance carriers across the most populated cities on the islands.

Cheapest renters insurance rates in Hawaii

The cheapest renters insurance quotes in Hawaii come from Liberty Mutual, where an average policy costs $180 per year — 21% cheaper than the statewide average.

The average cost of renters insurance in Hawaii is $228 per year, or $19 per month.

Renters can also find affordable rates with Allstate and Geico. Coverage from both companies is 15% cheaper than Hawaii's average.

Graph comparing the cost of renters insurance for top insurance carriers in Hawaii

Renters insurance rates in Hawaii vary significantly from one insurer to the next. A policy from the most expensive company, Progressive, costs $12 more per month than coverage from the cheapest insurer, Liberty Mutual.

Monthly cost
Liberty Mutual logo
Liberty Mutual$15
Allstate logo
Geico logo
Assurant logo
Progressive logo

State Farm offers renters insurance in Hawaii, too. However, you can't compare quotes online — Hawaii renters have to call an agent to get a quote.

Best renters insurance for most people in Hawaii: Liberty Mutual

Liberty Mutual provides Hawaii renters with cheap insurance and lots of extra coverage options.

Read the full review.

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The good:

  • Cheapest quotes in Hawaii
  • Offers earthquake and flood insurance

The bad:

  • Limited coverage for your belongings

Liberty Mutual offers the best insurance coverage for most Hawaii renters. A policy from Liberty Mutual costs $15 per month, on average. That's $4 per month cheaper than the statewide average.

Renters, however, can only purchase $25,000 of personal property coverage from Liberty Mutual. That's less than most major insurers and may not be enough coverage if you have expensive furniture or rent a larger home.

However, Liberty Mutual gives renters lots of other ways to customize their coverage. The company can help protect your personal belongings with earthquake insurance and flood insurance. These coverage options can be useful for Hawaii renters if there's a natural disaster. In addition, having one point of contact for all of your insurance needs will make the claims process much easier.

Renters can also add extra coverage for valuable items like jewelry, upgrade to replacement cost coverage and include identity theft protection.

Best renters insurance for extra coverage: Geico

Hawaii renters can find affordable quotes from Geico, along with plenty of coverage for their belongings.

Read the full review.

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The good:

  • Inexpensive insurance rates
  • Offers high limits for your belongings
  • Optional earthquake coverage

The bad:

  • Unreliable customer service

Renters who need more coverage for the things in their homes than they can get from Liberty Mutual should compare quotes from Geico. It offers one of the most affordable rates in Hawaii at $16 per month, on average. That's only $1 per month more expensive than the cheapest insurer in the state.

Renters with lots of stuff or expensive belongings will appreciate the range of coverage offered by Geico. You can choose a personal property limit up to $95,000, which is more coverage than most renters need. The company also gives Hawaii renters the option to add earthquake coverage, water backup coverage and identity theft protection.

However, renters in Hawaii aren't always happy with the customer service experience at Geico. It receives more complaints than other insurance carriers of a similar size, according to the National Association of Insurance Commissioners (NAIC), which indicates your interactions with the company might not always be smooth.

Best for military families renting in Hawaii: USAA

Hawaii renters with military ties can find dependable customer service and expanded coverage with USAA.

Read the full review.

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The good:

  • Standard coverage includes earthquake and flood protection
  • Reliable customer service

The bad:

  • Limited availability

USAA is an excellent option for Hawaii renters with military ties. The company only sells insurance to members of the military, veterans and their families. That means most Hawaii renters aren't eligible to purchase a policy.

A standard renters insurance policy from USAA includes a number of coverage extras that other companies charge more to add on. USAA's basic policy protects your belongings against earthquake and flood damage, which can be very useful for renters in Hawaii. It also includes replacement cost coverage and water backup coverage, in case your things have water damage due to backed-up plumbing.

The customer service experience at USAA is top-notch. That means renters can count on USAA in an emergency. The company earned the highest score on J.D. Power's annual customer satisfaction survey. In addition, it only receives half as many customer complaints as expected based on its size, according to the NAIC.

Cost of renters insurance in Hawaii by city

Renters living in Lahaina and Hilo pay the highest insurance rates in Hawaii, while those in Haleiwa have the cheapest premiums.

Renters insurance quotes don't vary much across the most populated cities in Hawaii. Renters in the least expensive large city, Haleiwa, can expect to pay $213 per year for coverage. On the other hand, people living in Lahaina and Hilo, the most expensive cities, pay an average of $235 per year. That's a difference of less than $2 per month.

Average annual cost
Difference from state average (%)
Ewa Beach$2321%
Show All Rows

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Best renters insurance companies in Hawaii

USAA and Liberty Mutual provide Hawaii renters with the best-rated customer service.

Both companies receive fewer complaints than competitors of a similar size, according to the NAIC. However, J.D. Power wasn't as impressed with the service offered by Liberty Mutual — the company earned a below-average rating on its customer satisfaction survey. On the other hand, USAA was awarded the highest score from J.D. Power.

Liberty Mutual

Researching customer service reviews is an important part of shopping for a renters insurance policy. Insurance carriers that offer excellent service can make the claims process easy and help get you back on your feet quickly. A poor customer service score may mean you have to wait longer to replace your things.

Frequently asked questions

How much is renters insurance in Hawaii?

Hawaii renters can expect to pay an average of $228 per year, or $19 per month, for coverage. That's $1 per month more than the national average.

Do you need renters insurance in Hawaii?

Renters insurance isn't required by law in Hawaii. However, your landlord or property management company may ask you to purchase a policy as a part of your lease agreement.

What does renters insurance cover in Hawaii?

Your renters insurance policy should always include personal property coverage, liability protection, medical payments to others and loss of use coverage. In addition, renters in Hawaii should consider adding earthquake and flood insurance coverage to their policies. These coverages protect your belongings from damage due to earth movement and water damage.


We found the cost of renters insurance in Hawaii by comparing quotes from five of the largest insurance carriers in the state across 17 of the most populated cities. Our sample renter is a 25-year-old male living alone who has no history of insurance claims. Rates are based on $30,000 of personal property coverage, $100,000 of personal liability, $1,000 of medical payments to others and a $500 deductible. Quotes from Liberty Mutual only include $25,000 of personal property coverage — the maximum amount offered by the company.

To determine the best renters insurance companies in Hawaii, we compared three measurements of service quality:

ValuePenguin editor's rating: Our editors rate insurers based on customer service reviews, coverage options and overall value.

NAIC complaint index: Calculated by the National Association of Insurance Commissioners, the complaint index measures the complaints an insurer receives relative to its market share, or size.

J.D. Power U.S. Home Insurance Study - Renters Insurance: This study ranks 10 of the nation's largest renters insurance companies based on their customers' overall satisfaction. It takes into account policyholders' feedback regarding customer service, policy offerings, pricing and more.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.