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

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	$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

The average annual cost of renters insurance in Georgia is $353, 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 $244 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	$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 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

Renters insurance costs in Georgia vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Georgia

How much Georgia renters pay for insurance depends on the ZIP code they live in. 31648 is the most affordable ZIP code for renters insurance in Georgia among all the ZIP codes analyzed, at $337 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Georgia.

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 for Georgia renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the 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.