Call our licensed agents toll free 844.855.0163
Go To Top

The average cost of renters insurance in Georgia is $653 a year, according to a rate analysis by Insurance.com. There are a lot of things to consider when looking for the best renters insurance in Georgia. Price is always a consideration, but it's not the only thing you should take into account when deciding on a renters insurance company. You should compare the policies offered by different carriers on the basis of the average rate, coverage options, and customer service.

We have put together this guide to help you make the right decision. In this guide, you will find the cheap renters insurance companies for Georgia renters. Besides, you can compare the companies based on their average rate and ratings. Keep on reading this resource to find the best renters insurance company in Georgia for your specific needs and budget.

Best renters insurance companies in Georgia

When it comes to choosing the best renters insurance company in Georgia, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Georgia. Below is the list of best renters insurance companies in Georgia:

  • USAA
  • State Farm
  • Nationwide
  • Allstate
  • Farmers

Compare best renters insurance companies in Georgia

USAA tops the list of best renters insurance companies in Georgia with 893 J.D. Power scores, the highest among the carriers surveyed. Its average rate for Georgia residents is $368 annually. But USAA only offers services to people in the military and their families.

Apart from USAA, you can get a renters insurance policy from companies like State Farm, Travelers, Nationwide, Liberty Mutual, Farmers, and Allstate. If you want an affordable renters insurance policy, compare these insurance providers on the basis of their J.D. power score and average rates that are mentioned in the table below.

CompanyJ.D. Power scoreAverage annual rate
USAA893$368
State Farm866$429
Nationwide834$422
Allstate833$548
Farmers831$537
Liberty Mutual823$1,340
Travelers815$678

How much is renters insurance in Georgia

The average renters insurance policy in Georgia costs around $653 per year or $54 a month. However, premiums may vary significantly depending on a number of factors, including your coverage limits, the amount of your deductible, and the type of property you want to insure.

Renters insurance policies in Georgia typically provide two types of coverage: personal property coverage and liability coverage. Personal property coverage helps protect your belongings in case they're damaged or stolen, while liability coverage provides protection if someone is injured, or their property is damaged as a result of an accident that occurred at your home.

Average annual premiumAverage monthly premium
$653$54

10 Most expensive zip codes in Georgia for renters insurance

Renters insurance is a necessary purchase for anyone who rents a home or apartment, but the cost of coverage may vary depending on the zip code. Some zip codes in Georgia are more expensive than others when it comes to renters insurance premiums. The most expensive zip code for renters insurance in Georgia is 31561 and its average annual rate for Georgia renters is $598.

The 10 most expensive zip codes for renters insurance in the state are listed below.

ZIP codeAverage annual rate
31561$598
30756$595
30311$594
31522$583
30272$577
30304$576
30303$574
31409$573
30314$572
30310$571

10 Least expensive zip codes in Georgia for renters insurance

The least expensive zip code for renters insurance in Georgia is 30417, its average annual cost is $481. Below are the 10 least expensive zip codes in Georgia for renters insurance premiums are listed below. These areas may typically have lower property values or fewer risks associated with renting, which results in lower premiums for renters insurance coverage.

ZIP codeAverage annual rate
30417$481
30454$482
30473$483
30439$484
30535$485
30471$486
30401$487
30414$488
30410$489
30040$490

Cheap renters insurance in Georgia by carrier

When it comes to renters insurance, it’s important to shop around and compare rates to make sure you’re getting the best deal possible. Each of these carriers typically offers competitive rates for renters insurance coverage in Georgia. Based on Insurance.com's rate analysis, Georgia Farm Bureau is the cheapest renters insurance provider. It offers a standard renters insurance policy at an average of $166 annually.

Find below the list of cheapest renters insurance companies in Georgia along with their average annual premium.

Company nameAverage annual premium
Georgia Farm Bureau$166
USAA$302
Garrison$338
Allstate$339
Nationwide$347
State Farm$409
Safeco$440
Charter Oak Fire$475
Farmers$500
Foremost$573
Travelers$589
First Liberty$1,041
LM Insurance$1,277
Auto Owners$3,216