Cheap Renters Insurance in Georgia

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There’s a lot to take into account when shopping for renters insurance, but we’ve compiled a list of the top providers in Georgia. Our insurance experts have analyzed price quotes from Georgia’s largest renters insurance companies to help make your decision easier. Below is the list of cheapest renters insurance companies in Georgia:

Georgia Farm Bureau
USAA
Garrison
Allstate
Nationwide

Cheapest renters insurance companies in Georgia

Georgia Farm Bureau offers the cheapest renters insurance in Georgia at an average annual rate of $166 or $14 per month. Based on Insure.com’s rate analysis, we have mentioned cheap renters insurance companies in Georgia along with their average annual rates.

Company	Average annual rate	Average monthly rate
Georgia Farm Bureau	$166	$14
USAA	$302	$25
Garrison	$338	$28
Allstate	$339	$28
Nationwide	$347	$29
State Farm	$409	$34
Safeco	$440	$37
Charter Oak Fire	$475	$40
Farmers	$500	$42
Foremost	$573	$48
Travelers	$589	$49
First Liberty	$1,041	$87
LM Insurance	$1,277	$106
Auto Owners	$3,216	$268

Average cost of renters insurance in Georgia by coverage level

In Georgia, the average cost of renters insurance is $454 per year or $38 per month, that’s $128 more than the national average of $326. These rates are for the coverage level of $20,000 for personal property, $1000 as deductible and $300,000 as liability protection.

Find below average cost of renters insurance in Georgia for coverage levels of- $40,000 and $60,000 with liability protection of $300,000 and $1000 as deductible.

Coverage level	Avg. annual renters insurance rate	Avg. monthly renters insurance rate
$20,000	$454	$38
$40,000	$681	$57
$60,000	$929	$77

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. Based on our findings, the most affordable zip code for renters insurance in Georgia is 30417. Its average annual rate $481 or $40 per month.

The above mentioned rates are for the coverage limits of $40,000 for personal property, $1000 as deductible, and 100,000 in liability protection. 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 code	Average annual rate	Average monthly rate
30417	$481	$40
30454	$482	$40
30473	$483	$40
30439	$484	$40
30535	$485	$40
30471	$486	$40
30401	$487	$41
30414	$488	$41
30410	$489	$41
30040	$490	$41

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. 31561 is the least affordable zip code for Georgia renters at an average cost of $598 a year or $50 monthly.

We have analyzed quotes from the major insurance carriers across all the zip codes in Georgia. Below we’ll provide the average annual renters insurance costs by ZIP code, also find out how much renters insurance costs per month.

ZIP code	Average annual rate	Average monthly rate
31561	$598	$50
30756	$595	$50
30311	$594	$50
31522	$583	$49
30272	$577	$48
30304	$576	$48
30303	$574	$48
31409	$573	$48
30314	$572	$48
30310	$571	$48

Renters and auto bundle discounts in Georgia

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing both renters and auto policies from the same company. Bundling policies can help you save an average of $127 per year in Georgia. State Farm offers the cheapest rate on renters and auto insurance bundle, you can save an average of $59 annually or 4%.

Company	Average annual rate	Average base annual rate (without bundling)	$ bundle average savings	% bundle average savings
State Farm	$1,268	$1,326	$59	4%
Nationwide	$1,551	$1,610	$59	4%
Owners	$1,561	$1,786	$225	13%
Auto Owners	$1,761	$2,015	$254	13%
Country Mut	$2,058	$2,080	$22	1%
Progressive	$2,360	$2,510	$150	6%
Allstate	$2,729	$2,895	$166	6%
Geico	$2,770	$2,855	$85	3%