Average renters insurance cost in Georgia
Georgia is one of the most expensive states for renters insurance, ranking #48 of 50. At $33 a month, renters here pay about 43% more than the national average — a premium driven largely by the state's severe-weather claim history. Even so, it remains one of the cheapest policies you can own.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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How Georgia compares with its neighbors
| State | Monthly rate | Difference vs GA |
|---|---|---|
| Georgia | $33 | — |
| Florida | $27 | −$6/mo |
| South Carolina | $20 | −$13/mo |
| Tennessee | $24 | −$9/mo |
| Alabama | $31 | −$2/mo |
Georgia renters insurance FAQ
How much is renters insurance in Georgia?
Renters insurance in Georgia averages $33 per month — about $396 per year — for a typical policy with roughly $30,000 in personal property coverage and $100,000 in liability. Your exact rate depends on your coverage limits, deductible, claims history and, in most states, your credit-based insurance score.
Is renters insurance required in Georgia?
No state law requires renters insurance in Georgia — but landlords can and frequently do require it as a lease condition. Even when it's optional, going without it means one apartment fire or burglary could cost you everything you own, against a premium of roughly $33 a month.
How can I pay less than $33/month in Georgia?
Three moves reliably beat the state average: bundle renters with your auto policy (typically the single biggest discount), raise your deductible from $250 to $1,000 if you can absorb it, and compare quotes — carrier pricing for identical coverage varies widely, with the cheapest national carriers averaging around $14/month.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
Compare renters insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.