Best and Cheapest Renters Insurance in Hawaii for 2025 (10 Most Affordable Companies)

USAA, Geico, and State Farm provide the best and cheapest renters insurance in Hawaii, offering comprehensive coverage and monthly rates starting as low as just $16.

USAA is perfect for military families, even covering uniforms. Geico makes saving easy with multiple discounts, and State Farm offers flexible policies you can bundle with other coverage.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$16	A++	Military Benefits	USAA
	#2	$22	A++	Efficient Operations	Geico
	#3	$23	B	Large Network	State Farm
	#4	$27	A++	Flexible Policies	Travelers
	#5	$29	A+	Competitive Pricing	Progressive
	#6	$30	A	Bundling Discounts	American Family
	#7	$31	A+	Broad Coverage	Nationwide
	#8	$36	A	Customized Options	Farmers
	#9	$43	A+	Advanced Technology	Allstate
	#10	$47	A	Safety Discounts	Liberty Mutual

These companies provide the best value for Hawaii renters by striking a balance between price, coverage, and dependability.

These firms offer outstanding value, whether you're protecting personal property or getting liability protection. Use our free comparison tool to get the perfect home insurance policy at the best price.

What You Should Know

• USAA is the top pick, offering military perks and coverage starting at $16/month
• Geico delivers budget-friendly rates with discounts for multiple policies in Hawaii
• State Farm provides customizable renters insurance tailored to Hawaii renters’ needs

#1 – USAA: Top Overall Pick

Pros

• Low Rates: Based on our USAA insurance review, USAA gives the cheapest prices for renters insurance in Hawaii, starting at $16 monthly.
• Military-Specific Benefits: Exclusive features like uniform protection cater to service members with renters coverage in Hawaii.
• Very Good Stability: A++ rating by A.M. Best shows extreme financial power and a reliable way to handle claims for renters coverage in Hawaii.

Cons

• Restricted Access: USAA's renters' coverage in Hawaii is limited to military personnel and their families.
• Online-Only Service: Hawaii renters may need to rely solely on virtual or phone-based support for assistance.

#2 – Geico: Best for Efficient Operations

Pros

• Cost-Effective: Geico gives cheap renters insurance in Hawaii, starting only at $22/month. Read our Geico review for more information.
• Digital Convenience: Simplifies policy management for Hawaii tenants through user-friendly tools.
• Multi-Policy Savings: Provides discounts for combining renters policies with auto insurance in Hawaii.

Cons

• Limited Customization: Geico's renters' coverage in Hawaii may need more flexibility for unique requirements.
• Minimal Local Presence: Hawaii renters may need help accessing in-person customer support.

#3 – State Farm: Best for Large Network

Pros

• Access to Local Agents: State Farm's wide network provides Hawaii renters with individualized support. Explore more in our State Farm review.
• Flexible Coverage: This characteristic allows renters to change policies in Hawaii so they can meet specific needs.
• Trusted Brand: Well-known in the Hawaii renters insurance industry for dependability and steady service.

Cons

• Higher Premiums: State Farm's renters coverage in Hawaii begins at $23/month, pricier than some competitors.
• Moderate Stability: A B rating from A.M. Best may raise concerns for risk-averse renters.

#4 – Travelers: Best for Flexible Policies

Pros

• Customizable Options: Travelers offers flexible renters coverage in Hawaii to suit diverse needs. Learn more in our Travelers review.
• Reasonable Pricing: At $27/month, it balances affordability with comprehensive renters coverage in Hawaii.
• Strong Financial Backing: A++ A.M. Best rating indicates robust claims reliability for renters coverage in Hawaii.

Cons

• Limited Discounts: Fewer savings options compared to leaders like Geico or USAA in the Hawaii renters insurance market.
• Lengthy Claims Process: Reports of slower resolutions may frustrate Hawaii tenants.

#5 – Progressive: Best for Competitive Pricing

Pros

• Budget-Friendly for Larger Spaces: Progressive provides affordable renters coverage in Hawaii at $29/month for expansive properties.
• Intuitive Platform: Streamlined apps and tools make policy management straightforward for renters. Delve into our evaluation of Progressive review.
• Reliable Performance: An A+ rating from A.M. Best highlights its dependability in renters coverage in Hawaii claims handling.

Cons

• Coverage Limitations: Some Hawaii renters might find Progressive’s policies lacking niche protections.
• Average Discount Offers: Fewer savings opportunities are available than those of competitors like USAA for renters coverage in Hawaii.

#6 – American Family: Best for Bundling Discounts

Pros

• Discount Chances: Offers significant savings when combining renters insurance in Hawaii with auto or home policies.
• Agent Availability: Hawaii renters benefit from local support for policy questions and claims. See more details on our American Family review.
• Balanced Coverage: Offers good renters insurance in Hawaii for $30/month, meeting different needs of tenants.

Cons

• Steeper Costs: Rates are higher than those offered by competitors like Geico or USAA in Hawaii.
• Smaller Reach: A limited presence in Hawaii compared to nationwide leaders.

#7 – Nationwide: Best for Broad Coverage

Pros

• Wide Policy Range: Broad options make Nationwide ideal for diverse renters coverage in Hawaii.
• Financial Assurance: A+ rating from A.M. Best guarantees claim reliability for Hawaii tenants. Discover insights in our Nationwide review.
• Attractive Bundling: Offers discounts for combining Hawaii renters insurance with other policies.

Cons

• Premium Costs: Starting at $31/month, it’s pricier than Geico or USAA for Hawaii renters.
• Subpar Online Experience: Policy management tools could be more intuitive for Hawaii customers.

#8 – Farmers: Best for Customized Options

Pros

• Customizable Plans: Our Farmers review offers robust personalization options for renters coverage in Hawaii.
• Local Assistance: Hawaii tenants can access in-person guidance through agents.
• Solid Claims Support: Gives reliable help for claims about renters coverage in Hawaii, ensuring you feel secure.

Cons

• Expensive Plans: Farmers’ renters' coverage in Hawaii is one of the more costly choices, priced at $36 per month.
• Limited Special Protections: Some niche features might be unavailable for renters in Hawaii.

#9 – Allstate: Best for Advanced Technology

Pros

• Advanced Tools: The Allstate app simplifies managing renters' coverage in Hawaii, from payments to claims.
• Savings Potential: Attractive discounts for bundling and claims-free renters in Hawaii.
• Comprehensive Coverage: Provides broad renters coverage in Hawaii at $43/month. Discover insights in our Allstate review.

Cons

• High Costs: Premiums are among the steepest, starting at $43/month for Hawaii renters.
• Lack of Local Support: Minimal in-person service may deter Hawaii renters who prefer face-to-face assistance.

#10 – Liberty Mutual: Best for Safety Discounts

Pros

• Safety Incentives: Renters with alarms or other safety features in Hawaii residences can receive discounts.
• Reliable Coverage: A respected name backs this renters insurance provider in Hawaii, offering strong protection.
• Add-on Options: Renters in Hawaii can improve their policies with flexible extras. View our Liberty Mutual review for more details.

Cons

• High Price: Liberty Mutual's renters' insurance in Hawaii begins at $47/month, which is more expensive than many other companies.
• Moderate Reputation: A rating from A.M. Best, while solid, lags behind leaders like Travelers or USAA.

Balancing Cost and Protection for Hawaii Renters

Finding the right renters insurance in Hawaii doesn’t have to be complicated. Whether you need essential protection, a wide range of options fit your budget.

USAA takes the top spot for affordability, with monthly rate starting at just $16 a month. On the other end, Liberty Mutual has the highest rates, with coverage at $47.

Insurance Company	Monthly Rates
	$43
	$30
	$36
	$22
	$47
	$31
	$29
	$23
	$27
	$16

With options like USAA for unbeatable prices and Geico or State Farm for competitive rates, renters in Hawaii can easily find coverage that works for them. Progressive and Travelers are solid choices for monthly rates at reasonable rates, giving you peace of mind without stretching your budget.

Getting a great deal on renters insurance in Hawaii is simple when you take advantage of the discounts offered by top companies. These savings can make a big difference in your premium, from bundling policies to installing safety devices. Check out the table below to see what’s available.

Insurance Company	Available Discounts
	Bundling, Auto-Pay, Claims-Free, Retiree, Safe Home Devices (Smoke Alarms, Deadbolts, etc.), Easy Pay Plan
	Bundling, Auto-Pay, Smart Home Devices, Paperless Billing, Loyalty
	Bundling, Auto-Pay, Claims-Free, Security Systems, Paperless Billing, Affinity (Professional Groups)
	Bundling, Smoke Alarms, Security Systems, Fire Extinguishers, Sprinklers, Good Credit
	Bundling, Auto-Pay, Claims-Free, Safety Devices (Alarms, Sprinklers), Paperless Billing, Newly Renovated Home
	Bundling, Protective Devices (Alarms, Sprinklers), Claims-Free, Paperless Billing, Auto-Pay
	Bundling, Auto-Pay, Paperless Billing, Claims-Free, Safety Devices (Smoke Alarms, Deadbolts)
	Bundling, Home Alert Protection, Auto-Pay, Claims-Free, Loyalty
	Bundling, Home Safety Devices, Auto-Pay, Claims-Free, Green Home (Energy-Efficient)
	Bundling, Safety Devices, Claims-Free, Loyalty (Available to Military Families)

Whether bundling renters insurance with auto policies, setting up auto-pay, or adding safety devices like alarms or sprinklers, there’s a discount for almost everyone. USAA’s loyalty discount is perfect for military families, and Travelers even offers savings for energy-efficient homes. With so many options, finding ways to cut costs and protect your belongings is easy.

Read More: Renters Insurance Guide

Breaking Down Average Rent Prices in Honolulu

The average rent cost in Honolulu is $19 per month, but the price can vary based on your location and apartment size.

Honolulu is the most populous city in Hawaii, with nearly half a million residents. Honolulu is known for its beaches, laid-back lifestyle, and the Hawaiian luau, but it’s still a large metropolitan city. The average rent in Honolulu is $19/month, with most areas, like Makiki Heights, averaging $19/month. Apartment costs vary by location, with Downtown Honolulu averaging $19/month and the Academy of Arts area at $15/month.

Just like the area affects rent costs, so does the apartment type. A studio apartment in Honolulu costs $22 per month, and a one-bedroom apartment costs $22. On the other hand, a three-bedroom apartment costs an average of $26 per month. In Honolulu, renters should also determine how much renters insurance they require in order to guarantee sufficient security for their possessions. Renters insurance is inexpensive per month and can protect personal belongings from dangers like theft.

Cost Impacts of Renters Insurance Claims in Hawaii

Accidents and claims happen more often in some parts of Hawaii than others, and knowing where they’re most common can help you decide how much renters insurance you might need.

City	Accidents per Year	Claims per Year
Hilo	200	150
Honolulu	400	300
Kahului	120	90
Kailua	180	140
Pearl City	220	160

Honolulu sees the most accidents and claims, which isn’t surprising given how busy it is. Pearl City also ranks high, making renters insurance a wise choice in these areas. Claims occur in smaller cities like Kahului, so coverage is essential.

Hawaii renters often deal with claims for things like water damage, theft, and fire. These issues make up most claims and can be expensive to fix, making it crucial to ensure your insurance policy covers your insurance claim effectively.

Claim Type	Portion of Claims	Cost per Claim
Water Damage	30%	$8,500
Theft	25%	$3,200
Fire Damage	20%	$12,000
Wind/Storm Damage	15%	$7,000
Liability Claims	10%	$5,500

Water damage tops the list, often from burst pipes or leaky appliances, and fire damage is the priciest, with claims averaging $12,000. Knowing these risks can help you choose a policy that gives you the protection you need.

Hawaii Renters Insurance Premiums and Discounts Breakdown

Hawaii gets high marks for keeping renters insurance premiums low and rates consistent across the state. However, claim costs from natural disasters and limited customization options slightly reduce the overall score.

Category	Grade	Explanation
Average Premiums	A	Renters insurance is affordable statewide
Premium Stability	A-	Rates remain consistent with minimal fluctuations
Claim Costs	B+	Moderate claim expenses due to natural disaster risks
Availability	B	Providers offer reasonable options in urban areas
Discounts Offered	B-	Limited discounts compared to other states
Coverage Customization	C+	Fewer options for personalized coverage

Hawaii renters can count on affordable and stable rates, but those looking for highly personalized coverage might have fewer options than other states.

Discounts can help lower your insurance costs, and while Hawaii has some good options, they vary by provider. Bundling policies save 25%, while auto-pay and going paperless offer smaller discounts.

Discount Name	Grade	Savings	Participating Providers
Bundling	A	25%	Allstate, Liberty Mutual, State Farm
Security System	A-	20%	Geico, Nationwide, Progressive
Claims-Free	B+	15%	State Farm, USAA, Farmers
Auto-Pay	B	10%	Liberty Mutual, Nationwide, USAA
Paperless	B-	8%	Progressive, Geico, Travelers
Paid-in-Full	C+	5%	Farmers, Liberty Mutual, State Farm

Bundling renters insurance with auto or home coverage offers the most significant savings, while security systems can cut premiums significantly. Putting together renters insurance with a car or home coverage gives the best savings, and security systems can significantly lower premiums. When looking for discounts, understanding important information about home insurance is helpful since combining these policies can bring extra advantages. Small discounts such as auto-pay and claims-free rewards are simple, offering a good way to save money.

Renters Insurance Tips for Hawaii College Students

Hawaii may be a small island in the middle of the Pacific Ocean. Still, it has a handful of colleges and universities, including Brigham Young University and the University of Hawaii. If you attend a college in the desirable Aloha State, you'll likely live in a dorm or rent an off-campus apartment. There are a few things college students renting housing in Hawaii should consider to protect their personal belongings.

Usually, college students staying in dormitories on campus are included in their parent's homeowners insurance. However, this is often true only for those residing on campus. Hawaii college students living off-campus must get renters insurance because their parents' policy will not protect them.

College students are among the most likely to have roommates in a rented living space. They should remember that students are not advised to share renters insurance policies with roommates. Students should have a policy to file claims for their belongings if needed. For more detailed information, refer to a renters insurance guide for off-campus college students to understand your coverage options.

Understanding Hawaii's Property Crime Rates

Nobody likes the idea of being a victim of a crime, but that doesn't prevent it from happening. If you end up having your personal property vandalized or stolen without insurance, you face suffering a loss with no compensation. This is why it's essential to ensure that renters insurance covers theft as part of your policy.

Theft, vandalism, or malicious mischief are among the 16 perils a standard renters insurance policy protects you from. So, how does crime in Hawaii compare to other states around the country? The FBI published the following statistics on crime in Hawaii for 2016:

• Property Crime - 42,753
• Burglary - 6,017
• Larceny Theft - 31,082

The property crime and larceny-theft rates in Hawaii are higher than the national average per 100,000 inhabitants, while the burglary rate is slightly lower than the national average.

Affordable Coverage Options for Hawaii Renters

While renters insurance may have more affordable rates than other types of insurance, no one wants to pay more than they have to. So, what are the different ways that you can lower your insurance premium and have some extra spending money?

Here are the top 5 ways to save on your renters insurance:

• Raise Your Deductible
• Ask About Potential Insurance Discounts
• Bundle Your Policies (Like With an Auto Insurance Policy)
• Determine the Value of Your Personal Property
• Pay in Full by Check

Cutting down your renters' insurance costs is simple with a few smart moves, like bundling policies or raising your insurance deductible. Take advantage of discounts and only insure what you need to keep some extra cash in your pocket.

Understanding Clearsurance’s Rating System for Hawaii Renters Insurance

Cleasurance, staying true to its goal for more openness, does not hide how it comes up with ratings and rankings. The method they use looks at many inputs from their independent group of insurance users, such as:

• Price
• Customer Service
• Claim Service
• Likelihood to Renew

The algorithm also considers the percentage of customers saying the company does well vs. what customers say the company could do better. These inputs help determine Clearsurance’s top-ranked insurance companies, chosen by customers, offering renters insight into the best options based on real user experiences.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Comprehensive Renters Insurance Guide for Hawaii

As mentioned above, there are common misconceptions regarding what is and isn't covered by a renters insurance policy. Before you purchase a renter's policy from one of the best insurance companies in Hawaii, it's essential to understand what your policy and renters' insurance do not cover.

For example, do you know that many renters' insurance plans give liability protection in case someone who doesn't live there gets hurt on the property? Also, if something happens and your apartment can't be lived in anymore, some policies might pay for your costs when you need to temporarily find a place to stay in Hawaii.

It would help to check which natural disasters the policy you're interested in purchasing will cover and which ones they will not. Understanding these exclusions ensures you're aware of gaps in coverage. Simply put your ZIP code into our free quote comparison tool to get the lowest rates.