Best and cheapest renters insurance in Georgia

Best renters insurance companies in Georgia

When choosing the best renters insurance company in Georgia, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Georgia. Below is our list of best renters insurance companies in Georgia based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
State Farm	4
Nationwide	3.5
USAA	3.5
Farmers	3
Travelers	3
Allstate	2.5

Compare the best renters insurance companies in Georgia

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Georgia residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Georgia. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $303.

The table below offers a detailed comparison of renters insurance companies in Georgia.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
State Farm	844	$303	A++
Nationwide	852	$388	A+
USAA	894	$187	A++
Farmers	842	$428	A
Travelers	835	$481	A++
Allstate	835	$642	A+

How much is renters insurance in Georgia

Georgia residents pay an average of $330 a year for renters insurance, and the average monthly cost is $27. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“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.”

Average Annual Premium	Average Monthly Premium
$330	$27

Most expensive ZIP codes in Georgia for renters insurance

Several factors affect your renters insurance coverage cost in Georgia, including your location and the coverage you buy. The most expensive ZIP code in Georgia for renters insurance is 30369, where the average annual rate is $377 which is $47 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Georgia for renters insurance.

ZIP code	Average Annual Rate
30369	$377
30354	$376
30363	$375
31328	$372
30342	$370
30032	$368
31561	$367
30288	$366
30034	$365
30294	$364

Least expensive ZIP codes in Georgia for renters insurance

Renters insurance rates in Georgia are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Georgia is 30223, and its average annual rate is $314.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
30223	$314
30523	$315
31648	$316
30510	$317
30204	$318
30258	$319
30454	$320
30802	$321
30417	$322
31501	$323

Compare renters insurance rates by city in Georgia

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Georgia.

City	Annual insurance premium
Athens	$319
Atlanta	$371
Augusta	$325
Columbus	$331
Johns Creek	$335
Macon	$321
Sandy Springs	$349
Savannah	$361

Cheap renters insurance in Georgia by company

There are a lot of companies offering renters insurance in Georgia. Among the carriers surveyed by Insurance.com, Georgia Farm Bureau is the cheapest renters insurance company in Georgia; its average annual premium is $131.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Georgia and their average annual premiums.

Company Name	Average Annual Premium
Georgia Farm Bureau	$131
USAA	$187
Auto-Owners	$289
State Farm	$303
Nationwide	$388
Country Financial	$391
Farmers	$428
Travelers	$481
Allstate	$642

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.