Renters Insurance Cost in Hawaii (2026 Average)
Hawaii renters paid about $151 a year on average in the NAIC 2021 baseline, about $19 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Hawaii renters insurance costs
Hawaii renters paid about $151 a year on average in the NAIC 2021 baseline, about $19 less than the $170 US average.
Weather exposure is a major driver here: hurricane and volcanic hazards are the state's headline exposures.
Claim frequency and litigation also matter: claim frequency is low given the limited number of renters policies.
Replacement costs and carrier competition round out the picture: replacement costs are among the highest in the country because most goods are shipped in, and a thin carrier market with limited competition keeps the average below the national baseline.
How Hawaii compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Hawaii | $151 | −$19 |
| United States (national average) | $170 | baseline |
| California | $188 | +$18 |
| Oregon | $119 | −$51 |
| Washington | $134 | −$36 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.