Average renters insurance cost in Savannah, Georgia

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Renters in Savannah, Georgia pay an average of $380 per year for renters insurance – $27 more than compared to the state average of $353 annually.

Renters insurance protects your belongings against damage, theft, fire, smoke, and vandalism. It also provides liability coverage if you accidentally hurt someone or cause damage to their property.

What you’ll pay depends on your insurer, deductible, coverage limits, ZIP code, and any discounts you qualify for.

How to get the best deal for renters insurance in Savannah

Get quotes from at least three insurers before committing – rates can vary dramatically for the same coverage, and the difference can add up to hundreds per year.
Ask about bundling discounts if you carry auto or other insurance – placing multiple policies with one provider usually brings your rate down.
Try increasing your deductible to $1,000 if you’re currently at $500 – the annual savings can reach $29.
Check whether your building’s safety features – deadbolts, smoke detectors, or a security system – qualify you for a discount.
Pay your premium in full for the year rather than splitting it into monthly payments – most insurers reduce the rate for upfront payment.

What is the average cost of renters insurance per month in Savannah?

Renters insurance in Savannah doesn’t come with a single price tag – what you pay each month depends on your insurer and how much coverage you choose. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average premium runs $22 per month.

Moving up to $40,000 in personal property coverage raises the typical monthly rate by about $10 more, landing at $32. That rate reflects $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – $3 more than the state monthly average of $29.

Key takeaways

A renters policy covers your personal belongings and provides liability protection inside your rental
Renters insurance in Savannah averages $380 per year
Among local insurers, Georgia Farm Bureau offers the lowest rates in the city
What you pay hinges on your coverage limits, ZIP code, insurer, and any discounts you’re eligible for
If your home is filled with electronics, jewelry, or quality furniture, higher coverage limits are worth the extra cost

How much is renters insurance in Savannah? Rates by deductible

A policy with a $500 deductible and $20,000 in personal property coverage costs an average of $295 per year in Savannah.

Your deductible is the amount you pay out of pocket before your coverage kicks in. Raising it is one of the simplest ways to reduce your premium – going from $500 to $1,000 can trim $29 from your annual bill.

The table below breaks down renters insurance premiums by personal property coverage amount and deductible.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$295	$424	$551
1000	$266	$380	$492

Who offers affordable renters insurance in Savannah?

Georgia Farm Bureau is the most affordable option in Savannah, with average rates of $141 per year or $12 per month. State Farm ranks second, with Auto-Owners close behind.

The table below lists the most affordable renters insurance companies in Savannah along with their average annual and monthly premiums.

Renter insurance provider	Average annual rate	Average per month rate
Georgia Farm Bureau	$141	$12
State Farm	$288	$24
Auto-Owners	$296	$25
Travelers	$314	$26
Nationwide	$344	$29
Farmers	$486	$40
Country Financial	$499	$42
Allstate	$750	$63
USAA*	$336	$28

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

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Grouping your renters policy with your auto or other insurance at the same company can lower what you pay across the board.
Increase your deductible. Choosing a higher deductible brings your premium down immediately – just be certain the amount is something you could manage out of pocket following a claim.
Choose the right coverage amount. Revisit your coverage limits annually. If your personal belongings haven’t grown in value, you may be spending more on personal property coverage than necessary.
Avoid filing small claims. Repeated small claims can cause your rates to climb faster than one large claim would. For minor incidents, absorbing the cost yourself often makes more financial sense.
Improve your credit score. Credit scores influence insurance pricing in most states – a higher score is one of the clearest ways to bring your premium down over time.
Compare quotes every renewal. Rates evolve year to year, and loyalty doesn’t always pay. Setting aside 30 minutes to shop around at renewal can save you a meaningful amount annually.

Renters insurance replaces belongings that are stolen or damaged, and covers your financial exposure when you’re liable for someone else’s loss. Comparing providers and claiming every discount you qualify for are the most reliable ways to keep your premium in check.

Frequently asked questions

Is renters insurance required in Savannah?

No state law mandates it, but your landlord may. Regardless, having coverage protects your belongings and shields you from liability if a guest is injured in your home.

What does renters insurance cover?

A renters policy covers personal belongings that are stolen or damaged, liability claims you’re responsible for, and temporary living expenses if a covered event makes your rental uninhabitable.

How much renters insurance do I need?

Enough to replace everything you own if it were stolen or destroyed. If you have high-value items like electronics, furniture, or jewelry, consider higher limits or scheduled coverage for those specific items.

Who has the cheapest renters insurance in Savannah?

Georgia Farm Bureau offers the lowest average rates in Savannah at $12 per month.

Methodology

Insure.com partnered with Quadrant Information Services to collect renters insurance rate data for Savannah, based on a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates correspond to a good credit tier profile.

How much is renters insurance in other cities?

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Atlanta

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.