How much is renters insurance in Georgia?

The average cost of renters insurance in Georgia is $334 a year, and the average monthly cost is $28. 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 may differ from your neighbours 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	$334
Average monthly premium	$28

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Best renters insurance companies in Georgia

Auto-Owners, Georgia Farm Bureau and Travelers are our best renters insurance companies in Georgia.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. 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 rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

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 $286.

Below is our list of best renters insurance companies in Georgia based on that analysis, with our score out of five.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Auto-Owners	$286	A++	0.33	5
Georgia Farm Bureau	$131	B++	0.61	4.49
Travelers	$481	A++	0.54	4.06
Farmers	$428	A	0.54	4.02
State Farm	$290	A++	0.95	3.67
Nationwide	$388	A+	0.87	3.5
Allstate	$642	A+	0.9	2.78

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Cheapest renters insurance in Georgia

Georgia Farm Bureau is the cheapest renters insurance company in Georgia based on our rate analysis with an average annual premium of $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 cheapest renters insurance companies in Georgia and their average annual premiums.

Company name	Average annual premium
Georgia Farm Bureau	$131
Auto-Owners	$286
State Farm	$290
Nationwide	$388
Farmers	$428
Travelers	$481
Allstate	$642
USAA	$220

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Renters insurance calculator

Average renters insurance rates in Georgia

Most & least expensive ZIP codes for renters insurance in Georgia

Most expensive
Least expensive

ZIP code	City	Highest rate
30361	Atlanta	$375
30349	Atlanta	$375
30369	Atlanta	$375
30304	Atlanta	$375

ZIP code	City	Lowest rate
30266	Orchard Hill	$319
30284	Sunny Side	$319
30223	East Griffin	$319
30224	Griffin	$319

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Georgia renters insurance: The least and most expensive ZIP codes

Where you live in Georgia affects how much you pay for renters insurance. The most expensive ZIP code in Georgia for renters insurance is 30369, where the average annual rate is $375 which is $41 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 30223, with an average annual rate of $319.

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

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
30369	$375
30354	$374
30337	$372
31411	$371
31561	$370
30342	$368
31419	$366
30346	$364
30038	$364
30291	$363

ZIP code	Average annual rate
30223	$319
30170	$320
30536	$322
31808	$328
30812	$332
30512	$333
30533	$333
31820	$334
30188	$335
30092	$338

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

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How to get cheap renters insurance in Georgia

There are a few things you can do to get cheaper renters insurance in Georgia:

Shop around. Not every Georgia renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services 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. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

Georgia renters insurance: FAQ

Do I need renters insurance in Georgia?

Renters insurance isn’t required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Georgia?

You don’t need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.