Renters Insurance

The Best Cheap Renters Insurance in Georgia

The Best Cheap Renters Insurance in Georgia

The best price for renters coverage in Georgia is just $167 per year, from Lemonade. That's about half the average price we found across all insurers.

The average cost of renters insurance in Georgia is $27 per month, or $323 per year. State Farm is the second-cheapest option we found, at $22 per month.

Compare cheap renters insurance quotes in Georgia

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Renters insurance doesn't cost much, but it's an essential coverage to have to protect your belongings if they're damaged or stolen. We collected over 100 renters insurance quotes throughout Georgia to find the best choices for renters insurance in the state. When choosing renters insurance, it's essential to consider quality of service and coverage options, in addition to cost.

Cheapest renters insurance companies in Georgia

The cheapest renters insurance in Georgia is available from Lemonade, at an average price of $14 per month.

The average cost of renters insurance in Georgia is $27 per month, or $323 per year. The most expensive option, Farmers, is nearly three times as expensive as Lemonade, at $40 per month.

State Farm and Travelers are other affordable options with rates below the state average.

The Cheapest Renters Insurance in Georgia

Renters insurance in Georgia is expensive compared to the rest of the country. The overall average cost nationwide is $212 per year, or about $19 per month. Georgia is the fourth-most expensive state for renters insurance after the nearby states of Alabama, Louisiana and Mississippi.

Compare Cheap Renters Insurance Quotes in Georgia

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Company
Monthly cost
Lemonade logo
Lemonade$14
State Farm logo
State Farm$22
Travelers logo
Travelers$23
Allstate logo
Allstate$27
Amica logo
Amica$29
Nationwide logo
Nationwide$34
Farmers logo
Farmers$40

Best renters insurance for most people: Lemonade

Lemonade is unrivaled for renters insurance affordability in Georgia, and its mobile app is convenient and easy to use.
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The good:

  • Very affordable prices
  • Easy-to-use mobile app

The bad:

  • Limited phone-based customer service

Lemonade is the best choice for renters insurance in Georgia. Its rates are far more affordable than other insurers in Georgia, and its online-first customer experience is convenient and easy to use.

The average price of insurance from Lemonade is $14 per month, or $167 per year. That's $100 per year less than the price you'll pay from the second-cheapest insurer, State Farm.

Lemonade insurance is only sold online, and you'll manage your policy exclusively through its mobile app. The app is well-designed and easy to use, but if you prefer to talk on the phone or in-person with an agent, Lemonade is not the right option for you.

We weren't impressed with Lemonade's customer service, as it received about twice as many complaints as a typical insurance company of its size, according to the National Association of Insurance Commissioners.

Founded in 2015, Lemonade is a fairly new company compared to other insurers. If you're looking for an insurer with a longer track record and top-notch customer service, we recommend Amica instead.

Best customer service: Amica

Amica has the best customer service among Georgia renters insurance companies.
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The good:

  • Highly rated service

The bad:

  • Average rates

For renters looking for top-notch service in Georgia, we recommend Amica. It's among the best-rated insurers in the country. In our renters insurance service ratings, we gave Amica 5/5 stars — a perfect score only matched by one other company, USAA.

Other groups are impressed by Amica's customer service, too. The NAIC gave it an impressively low Complaint Index of 0.51. That means it gets about half as many complaints as a typical insurance company when you account for size.

However, Amica is not cheap. At an average rate of $29 per month, it's more than double the cost of our top pick and $2 more than the state average.

Renters may be able to reduce their rates by bundling policies. Amica offers car insurance in addition to renters coverage, which is one of the biggest discounts you can get for renters insurance. If you own a car, bundling your renters and auto policies together can simplify your monthly bills, too.

Best coverage options: Travelers

Travelers has the best selection of optional renters insurance coverages in Georgia.
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The good:

  • Great coverage options
  • Affordable rates
  • Better-than-average service

The bad:

  • You must pay your bill in annual installments

Renters insurance doesn't always include as many optional coverages as a homeowners insurance policy. But for renters who have more complex insurance needs than a typical apartment-dweller, Travelers is a great option with lots of available extras. It has more choices than any other insurer we reviewed, including a few options we didn't find anywhere else.

The average price of Travelers renters insurance is $275 per year. That's $48 per year less than the state average.

Travelers has useful coverage options like replacement cost coverage, valuable items coverage and extended liability. It also offers a few options we didn't see at other insurers, like equipment breakdown — which pays to repair or replace appliances like washing machines if they malfunction.

The biggest drawback to Travelers is that you have to pay for an entire year of service up front. While it works out to an affordable rate overall (and you can ask for a refund if you want to switch insurers), Travelers isn't a good option if it would be difficult for you to come up with a year's premium all at once.

Customer service at Travelers is about average. It received a Complaint Index from the NAIC of 0.95. That means Travelers got slightly fewer complaints than a typical insurer of its size, suggesting customers are happy with the company's service. It also has excellent financial strength, with A.M. Best's highest possible rating of A++.

Georgia renters insurance rates by city

The most expensive city for renters insurance in Georgia is East Point, where we found a typical price of $362 per year.

That's 29% more than the price in the cheapest city, Warner Robins, where the typical cost is just $281 per year.

Renters insurance rates vary based on where you live. Your bill might be lower if you live in an area with a low crime rate, or higher if you live far from a fire station. Here are the average rates we found for renters insurance across Georgia.

City
Average annual rate
Difference from state average (%)
Albany$318-2%
Alpharetta$319-1%
Athens$291-10%
Atlanta$35911%
Augusta$320-1%
Show All Rows

Top-rated renters insurance companies in Georgia

USAA and Amica have the best customer service among renters insurance companies in Georgia.

These companies have generally favorable reviews and few complaints from customers, according to the NAIC. They both also have strong ratings from ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

However, USAA is only available to people affiliated with the military, so we were unable to make it one of our top recommendations.

Great customer service means your questions should be answered while buying a policy or filing a claim, and you should be fairly and promptly paid after your claim is approved.

Company
Rating
USAA
Amica
State Farm
Lemonade
Nationwide
Allstate
Farmers
Travelers

Frequently asked questions

How much is renters insurance in Georgia?

For a typical amount of coverage, renters insurance in Georgia costs $323 a year. However, comparing quotes in Georgia and adjusting your policy coverage or deductible can help reduce that cost significantly.

Is renters insurance a requirement in Georgia?

Some landlords may require renters to get insurance as a condition of their lease, but there is no law in Georgia that requires you to get renters insurance. Still, we recommend renters insurance as a cheap way to avoid paying out of pocket if anything happens to your belongings while you're renting an apartment. See recommended insurers in Georgia.

How long does it take for renters insurance to take effect?

Methodology

We collected 175 renters insurance quotes from seven major insurance providers that operate in Georgia from 25 major cities or areas around the state. Our sample renter is a 30-year-old man who lives by himself and has no recent renters insurance claims.

Our selected levels of coverage were:

  • Personal property: $30,000
  • Liability: $100,000
  • Medical payments: $1,000
  • Deductible: $500
  • Loss of use: $0

Top picks are selected by our experts analyzing rates, customer service and coverage options. Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer satisfaction index and ValuePenguin's editors' rankings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.