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 $352 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 $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

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	$7 more

Average renters insurance cost in Georgia by company

According to our data, Georgia Farm Bureau provides the most affordable renters insurance in Georgia, with an average annual rate of $137, followed by Auto-Owners and State Farm.

Getting quotes from multiple renters insurance companies in Georgia is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in 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

The average annual cost of renters insurance in Georgia is $352, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $238 a year for renters insurance in Georgia. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows 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 vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Georgia and find the best fit for your budget.

Renters insurance rates in Georgia by 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, 30223 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
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

30369 is the most expensive ZIP code for renters insurance in Georgia, at an average cost of $394 annually or $33 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Georgia. The table below shows the average annual renters insurance rates 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.