Renters insurance in Georgia: Cost, best companies and how to save

What is the average cost of renters insurance in Georgia?

The average cost of renters insurance in Georgia is $335 per year. Rates vary depending on factors like your location, the amount of coverage you choose, your deductible, and your claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Best renters insurance company in Georgia: Auto-Owners

Among the carriers surveyed, Auto-Owners is the best renters insurance company in Georgia, with a top score and an average renters insurance rate of $285.

State Farm and Travelers are the other best insurance companies for renters insurance in Georgia.

Rates differ widely between renters insurance providers, so it's best to shop around. It's also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Georgia, we reviewed average rates, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Below are the best renters insurance companies in Georgia.

Cheapest renters insurance in Georgia

Our analysis shows that Georgia Farm Bureau is the cheapest renters insurance company in Georgia, with an average annual premium of $135.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Georgia along with their average annual premiums.

Georgia renters insurance: The least and most expensive ZIP codes

Your location in Georgia directly impacts the cost of renters insurance. The most expensive ZIP code in Georgia is 30369, with an average annual premium of $382. This amount is $47 more than higher than the state average.

On the other hand, 31648 is the least expensive ZIP code for renters insurance with an average annual premium of $320 a year.

Renters insurance cost in Georgia by city

In Georgia, renters insurance rates vary across cities due to factors such as weather risks, crime rates, and other factors. To get the best deal in your city, Compare quotes from several insurers before selecting a policy, so they weigh each factor differently.

How to save on renters insurance in Georgia

There are several easy ways to lower the cost of renters insurance in Georgia without losing necessary coverage:

• Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
• Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
• Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
• Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
• Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.