We studied renters insurance quotes for a sample policy that included $30,000 in coverage in 129 cities in the state of Georgia in order to determine which cities had the highest and best annual renters insurance costs. Based on our study, renters in Georgia pay on average $467 per year for their renters insurance. Renters insurance prices in Georgia vary by over 40% between the cities in our study. Below, we profile the most and least expensive cities in Georgia for renters insurance. Read more about our study’s findings, or use our quote tool above to find renters insurance quotes in your area.
- Cheapest Renters Insurance Companies in Georgia
- Top 5 Least Expensive Cities for Renters Insurance In Georgia
- Top 5 Most Expensive Cities for Renters Insurance in Georgia
Cheapest Renters Insurance Companies in Georgia
We collected quotes for our sample policy across 129 cities from State Farm, Allstate, Liberty Mutual, Farmers and Nationwide. Quotes from each company were averaged to find which insurance companies had the best insurance rates in Georgia. The graph below displays the average annual cost to insure our sample residence by company alongside the state average:
Top 5 Least Expensive Cities for Renters Insurance in Georgia
1. Douglas, GA
Douglas is a small city in Georgia that serves as the county seat for Coffee County. The city is named after Stephen A. Douglas, who ran against Abraham Lincoln in the 1860 presidential election. Douglas is home to a few historic sites, most notable of which is the Veterans Memorial and Museum.
Douglas has the cheapest renters insurance rates in Georgia. Residents of Douglas pay an average annual renters insurance rate of $408, which is 13% less than the state average. Based on our study, Liberty Mutual and State Farm provide the best renters insurance rates in Douglas with annual quotes of $267 and $275, respectively.
2. Roswell, GA
The city of Roswell was incorporated in 1854 and is named after an original settler to the area, Roswell King. King traveled to the area in hopes of finding land suitable for mining. However, after discovering the nearby Chattahoochee River, King decided to build a textile mill powered by water instead of starting a mining operation. The mill played a pivotal role in the city’s development.
Roswell has the second cheapest renters insurance rates in the state. Our research found that the average annual cost for renters insurance in Roswell was $408, which is 13% less than the state average. State Farm offered the most affordable renters insurance quotes by a margin of $43. State Farm quoted our sample policy an annual renters insurance rate of $245.
3. Elberton, GA
Elberton is locally known as The Granite City due to its mass production of granite monuments. The city is home to approximately 37 granite quarries, which produce the famous blue-gray colored Elberton granite. The city is also home to a Granite Museum and a 19-foot granite monument.
Elberton is the third best city for renters insurance in Georgia. On average, residents of Elberton pay $416 per year for their renters insurance, which represents a rate that is $51 less than the state mean. State Farm and Liberty Mutual offered renters insurance rates that were within $24 of each other. The two companies also offered the cheapest renters insurance rates in the city at $262 and $286 per year, respectively.
4. Gray, GA
The city of Gray is small, encompassing just over two square miles. Gray was incorporated in 1911 and was originally named James, in reference to U.S. Congressman James Henderson. However, the city changed its name to Gray to honor James Madison Gray, who was a financier of the Confederacy during the Civil War.
Gray ranks as the fourth cheapest city for renters insurance in Georgia. The average annual renters insurance rate in the city was $417, which is 11% less than the state average. We recommend for renters in Gray to compare quotes from State Farm and Liberty Mutual as they offered the cheapest renters insurance rates in the city.
5. Danielsville, GA
Danielsville is located approximately 83 miles northeast of Atlanta, Georgia’s largest city. The physician who initially used ether as a form of surgical anesthetic, Dr. Crawford W. Long, is from Danielsville. To commemorate Dr. Long, the city had a statue of him constructed in the courthouse square.
If you’re looking for the cheapest renters insurance in Danielsville, we recommend starting with State Farm. It quoted our sample policy an annual renters insurance rate of $262. Liberty Mutual offered a slightly higher rate at $286, which is $24 greater. Based on our study, Danielsville is the fifth best city for renters insurance in Georgia.
Top 5 Most Expensive Cities for Renters Insurance in Georgia
1. Homerville, GA
Homerville is a small city in Georgia located in the state’s southeast corner. Every year the city hosts a festival in celebration of the timber industry and its positive effect on the local economy. The festival, known as the Timberland Jubilee, is the largest in Clinch County.
Homerville ranks as the least affordable city for renters insurance in Georgia. On average, residents pay $583 per year for renters insurance, which is 25% greater than the state average. The most affordable renters insurance rate was offered by Liberty Mutual at an annual cost of $452. Farmers offered the least affordable rate at $764, which is $312 greater than Liberty Mutual’s quote.
2. Summerville, GA
The city of Summerville is located near the Georgia-Alabama border. The city’s residents enjoy nearby access to two major interstates, Interstate 59 and Interstate 75. The latter intersects major cities, including Knoxville, Cincinnati and Detroit.
The best annual renters insurance rate in Summerville was offered by State Farm by a margin of $42. The next most affordable insurance company in the city was Liberty Mutual, which offered a quote of $429 per year. Summerville ranks as the second least affordable city for renters insurance in the state of Georgia. Residents pay an average annual cost of $579 for renters insurance.
3. Reidsville, GA
Reidsville serves as the county seat for Tattnall County. The city is home to the Gordonia-Alatamaha State Park, which offers visitors an opportunity to partake in a great amount of outdoor activities, including boating, paddle boarding, and camping. Reidsville is also home to the state’s oldest state prison, the Georgia State Penitentiary.
Based on our research, annual renters insurance quotes in Reidsville vary by $481. Reidsville ranks as the third most expensive city for renters insurance in the state. On average, residents pay $565 per year for renters insurance, which is 21% greater than the state mean. Liberty Mutual is the least affordable renters insurance company in the city by a margin of $104. Liberty Mutual offered an annual renters insurance rate of $761.
4. Statesboro, GA
The city of Statesboro is located approximately 55 miles northwest of Savannah. Statesboro is the home of Georgia Southern University, a state university that currently enrolls around 14,000 students. The city has a diverse economy with major employers encompassing several industries. Some of the city’s largest employers include Briggs & Stratton and the East Georgia Regional Medical Center.
Based on our study, Statesboro ranks as the fourth most expensive city for renters insurance in the state. On average, Statesboro residents pay $541 per year for renters insurance, which is 16% greater than the state mean. Our study concluded that renters insurance rates in Statesboro vary by $728, which is more than some insurance companies in the city charge for an entire year of renters insurance coverage.
5. Ringgold, GA
Ringgold is named after Major Sam Ringgold, who was the first officer of any rank to die in the first battle of the Mexican-American War. The city is small, but it once served as a popular shipping destination because it offered access to the Western and Atlantic Railroads.
State Farm quoted the most affordable renters insurance rate in Ringgold at $387 per year, which is $147 less than Nationwide’s quote of $534. Based on our study, Ringgold ranks as the fifth worst city for renters insurance rates in Georgia. Residents pay $62 more per year for renters insurance than the state average.
We studied 129 cities, which are spread out geographically throughout Georgia. The sample renters insurance policy we collected quotes for included $30,000 of coverage. Quotes were obtained from State Farm, Allstate, Liberty Mutual, Farmers and Nationwide insurance companies. The rates were then averaged to arrive at a mean for each city. We’ve displayed all cities with the average annual cost of renters insurance for our benchmark policy and how much each city costs relative to the statewide average.
|Rank||City||Average Insurance Rate||Cost Compared to Average|
|74||Saint Simons Island||$471||1%|