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Renters insurance costs in Georgia varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Georgia is $330 per year or $27 per month for coverage limits of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ.

Renters insurance companies in Georgia

Georgia Farm Bureau offers affordable renters insurance in Georgia at an average annual rate of $131 followed by USAA and Auto-Owners, based on Insure.com’s analysis.

But it’s smart to get multiple quotes for various renters insurance companies in Georgia because the prices vary a lot among carriers.

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

CompanyAverage annual rateAverage monthly rate
Georgia Farm Bureau$131$11
USAA$187$16
Auto-Owners$289$24
State Farm$303$25
Nationwide$388$32
Country Financial$391$33
Farmers$428$36
Travelers$481$40
Allstate$642$53

Renters insurance calculator in Georgia

$330/year
Estimated renters insurance rates in Georgia
$27
Monthly renters insurance cost in Georgia
32%
Compared to national average

Average cost of renters insurance in Georgia by coverage level

As we discussed above, in Georgia, the average cost of renters insurance is $330 per year. These rates are for the coverage level of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $219 per year for renters insurance in Georgia for $100,000 in liability protection and $1000 deductible.

Find below the average cost of renters insurance in Georgia for personal property coverage of $20,000 and $40,000.

Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate
$20,000$219$18
$40,000$330$27
$60,000$439$37

Most affordable ZIP codes for renters insurance in Georgia

How much Georgia renters pay for insurance majorly depends on the ZIP code they live in. 30223 is the most affordable ZIP for renters insurance in Georgia among all the ZIP codes analyzed, at about $314 a year on average.

Rates vary based on the ZIP code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Georgia.

ZIP codeAverage annual rateAverage monthly rate
30223$314$26
30523$315$26
31648$316$26
30812$327$27
30512$328$27

Least affordable ZIP codes for renters insurance in Georgia

Your ZIP code, among other factors, affects how much you pay for renters insurance in Georgia. 30369 is the least affordable ZIP code for Georgia renters at an average cost of $377 a year or $31 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Georgia. Below are the average annual renters insurance costs by ZIP code.

ZIP codeAverage annual rateAverage monthly rate
30369$377$31
30354$376$31
31328$372$31
30342$370$31
30032$368$31

Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Georgia by city

Renters and auto bundle discounts in Georgia

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.

Bundling policies can help you save an average of 17% per year in Georgia. Farmers offers the cheapest rate on renters and auto insurance bundle, you can save 20% a year on your premiums.

CompanyAverage annual rate$ bundle average savings% bundle average savings
Farmers$1,318$32320%
Allstate$1,324$23015%
Auto-Owners$1,413$27216%
State Farm$1,650$86334%
Georgia Farm Bureau$1,883$41718%
USAA$1,932$25712%
Travelers$2,248$1326%
Nationwide$2,585$74323%
Country Financial$2,761$75421%

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. Consider factors like coverage options, deductibles, and customer reviews in addition to price.

Methodology

Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in Georgia. These rates include a coverage limit of $100,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none.

How much is renters insurance in other states

Alaska$223/Year
Alabama$329/Year
Arkansas$337/Year
Arizona$218/Year
California$257/Year
Colorado$173/Year
Connecticut$250/Year
Delaware$230/Year
Florida$359/Year
Hawaii$231/Year
Iowa$181/Year
Idaho$174/Year
Illinois$211/Year
Indiana$240/Year
Kansas$236/Year
Kentucky$193/Year
Louisiana$495/Year
Massachusetts$234/Year
Maryland$243/Year
Maine$172/Year
Michigan$337/Year
Minnesota$200/Year
Missouri$206/Year
Mississippi$394/Year
Montana$246/Year
North Dakota$153/Year
Nebraska$242/Year
New Hampshire$155/Year
New Jersey$181/Year
New Mexico$194/Year
Nevada$235/Year
New York$272/Year
Ohio$226/Year
Oklahoma$262/Year
Oregon$254/Year
Pennsylvania$241/Year
Rhode Island$436/Year
South Dakota$184/Year
Tennessee$272/Year
Texas$225/Year
Utah$181/Year
Virginia$219/Year
Vermont$166/Year
Washington$224/Year
Wisconsin$148/Year
West Virginia$236/Year
Wyoming$126/Year
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Shivani Gite
Contributing Writer

 
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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.

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