Average Renters Insurance Cost in Georgia

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Renters insurance costs in Georgia vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Georgia is $352 per year or $29 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Georgia is $352 per year or $29 per month.
Georgia Farm Bureau provides the least expensive renters insurance in Georgia at an average rate of $137 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

In Georgia, the average monthly cost of renters insurance is $29. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$29	$7 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 $137, 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	$137	$11
Auto-Owners	$293	$24
State Farm	$300	$25
Nationwide	$403	$34
Farmers	$448	$37
Travelers	$492	$41
Allstate	$679	$57
USAA*	$244	$20

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

Renters insurance calculator in Georgia

$334/year

Estimated renters insurance rates in Georgia

$28

Monthly renters insurance cost in Georgia

35%

Compared to national average

Average cost of renters insurance in Georgia by coverage level

On average, Georgia renters pay $352 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Georgia to $238 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in Georgia for personal property coverage 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	$247	$21
$20,000 with $500 Deductible and $300,000 Liability	$263	$22
$20,000 with $1,000 Deductible and $100,000 Liability	$222	$19
$20,000 with $1,000 Deductible and $300,000 Liability	$238	$20
$40,000 with $500 Deductible and $100,000 Liability	$372	$31
$40,000 with $500 Deductible and $300,000 Liability	$390	$33
$40,000 with $1,000 Deductible and $100,000 Liability	$334	$28
$40,000 with $1,000 Deductible and $300,000 Liability	$352	$29
$60,000 with $500 Deductible and $100,000 Liability	$489	$41
$60,000 with $500 Deductible and $300,000 Liability	$509	$42
$60,000 with $1,000 Deductible and $100,000 Liability	$439	$37
$60,000 with $1,000 Deductible and $300,000 Liability	$459	$38

Average cost of renters insurance in Georgia by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in 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

The amount Georgia renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 30223 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $337.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Georgia.

ZIP code	City	Average annual rate	Average monthly rate
30223	East Griffin	$337	$28
30224	Griffin	$337	$28
30266	Orchard Hill	$337	$28
30284	Sunny Side	$337	$28
30292	Williamson	$337	$28
30528	Cleveland	$337	$28
30545	Helen	$337	$28
30571	Sautee Nacoochee	$337	$28
30523	Clarkesville	$337	$28
30531	Baldwin	$337	$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 $394 a year or $33 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	$394	$33
31328	Tybee Island	$393	$33
30354	Atlanta	$392	$33

Final thoughts: Average renters insurance in Georgia

Renters insurance is essential for residents of Georgia. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.