Renters and home insurance rates in Hawaii
The NAIC's published average premiums for Hawaii by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $174
- average homeowners premium (HO-3), per year
- $1,431
- renter households
- 183,122
By county
By county
| Honolulu County | 136,375 | $2,054 | $873,000 |
|---|---|---|---|
| Hawaii County | 19,625 | $1,411 | $486,400 |
| Maui County | 19,423 | $1,863 | $858,600 |
| Kauai County | 7,677 | $1,810 | $817,900 |
| Kalawao County | 22 | $1,300 |
Counties with fewer than 30 renter households link to context pages with the records they have; treat those small samples as context and lean on the state figures above for planning.
Download the Hawaii county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Hawaii was $174 in 2022, across 183,122 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Hawaii", updated 2026-08-17, https://homecoverhq.com/rates/hawaii/.