Average Renters Insurance Cost in Georgia

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Renters insurance costs in Georgia vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Georgia pay $353 per year or $29 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Georgia is $353 per year or $29 per month.
Georgia Farm Bureau provides the least expensive renters insurance in Georgia at an average rate of $141 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Georgia.

Average renters insurance cost in Georgia per month

The average cost of renters insurance in Georgia is $29 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$29	$5 more

Average renters insurance cost in Georgia by company

Georgia Farm Bureau offers the most affordable renters insurance in Georgia at an average annual rate of $141, followed by Auto-Owners and State Farm, based on our data.

However, you should get multiple quotes from various renters insurance companies in Georgia because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Georgia.

Company	Average annual rate	Average monthly rate
Georgia Farm Bureau	$141	$12
Auto-Owners	$292	$24
State Farm	$306	$25
Nationwide	$342	$28
Farmers	$406	$34
Country Financial	$482	$40
Travelers	$492	$41
Allstate	$684	$57
USAA*	$260	$22

*USAA is only available to military community members and their families.

Renters insurance calculator in Georgia

$335/year

Estimated renters insurance rates in Georgia

$28

Monthly renters insurance cost in Georgia

24%

Compared to national average

Average cost of renters insurance in Georgia by coverage level

As we discussed above, the average cost of renters insurance in Georgia is $353 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $244 per year for renters insurance in Georgia, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Georgia for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$254	$21
$20,000 with $500 Deductible and $300,000 Liability	$271	$23
$20,000 with $1,000 Deductible and $100,000 Liability	$228	$19
$20,000 with $1,000 Deductible and $300,000 Liability	$244	$20
$40,000 with $500 Deductible and $100,000 Liability	$376	$31
$40,000 with $500 Deductible and $300,000 Liability	$394	$33
$40,000 with $1,000 Deductible and $100,000 Liability	$335	$28
$40,000 with $1,000 Deductible and $300,000 Liability	$353	$29
$60,000 with $500 Deductible and $100,000 Liability	$498	$41
$60,000 with $500 Deductible and $300,000 Liability	$517	$43
$60,000 with $1,000 Deductible and $100,000 Liability	$442	$37
$60,000 with $1,000 Deductible and $300,000 Liability	$461	$38

Average cost of renters insurance in Georgia by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Georgia.

Renters insurance rates in Georgia by city

See rates in your city

Atlanta

Columbus

Savannah

Average cost of renters insurance in Georgia by ZIP code

In Georgia, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Georgia

In Georgia, your ZIP code plays a major role in determining your premiums. Based on our data, 31648 is the most affordable ZIP code for renters insurance, with an average annual cost of $337.

Comparing quotes from multiple insurers in Georgia is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
31648	Statenville	$337	$28
31620	Adel	$338	$28
31623	Argyle	$338	$28
31627	Cecil	$338	$28
31630	Du Pont	$338	$28
31631	Fargo	$338	$28
31634	Homerville	$338	$28
31635	Lakeland	$338	$28
31641	Naylor	$338	$28
31647	Sparks	$338	$28

Least affordable ZIP codes for renters insurance in Georgia

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Georgia is 30369, with an average cost of $402 a year or $34 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Georgia. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
30369	Atlanta	$402	$34
30337	College Park	$401	$33
30344	East Point	$401	$33
30322	Druid Hills	$397	$33
30346	Dunwoody	$397	$33
30329	North Atlanta	$397	$33
30342	Sandy Springs	$395	$33
30032	Candler-McAfee	$394	$33
30034	Decatur	$394	$33
31328	Tybee Island	$394	$33

Final thoughts: Average renters insurance in Georgia

Renters insurance is a must-have for renters in Georgia. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.