Who Has The Cheapest Renters Insurance Quotes in Georgia?

Find the Cheapest Insurance Quotes in Your Area

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We evaluated quotes for a model home (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage) from five major insurance carriers, across 129 cities and towns to find the cheapest companies and places. Based on hundreds of quotes for our study’s sample home, we found that the most expensive city cost 47% more than the cheapest, and the most expensive insurer cost 1.7x the most affordable carrier in Georgia. These rates have comparative value but are not indicative of what tenants can expect to pay. For that, enter your zip code above to get a list of renters insurance companies.

Cheapest Renters Insurance in Georgia

To evaluate who had the lowest renters insurance in Georgia, we obtained quotes from five carriers for a 1,000 square-foot home. We found that State Farm had the cheapest renters insurance rates among the five companies. For our sample renters policy, it quoted an annual rate of $285, which is about 28% cheaper than the average annual rate for Georgia. That also came out to be 40% lower than the most expensive, Liberty Mutual, in our group of five companies. Here are the annual rates for the companies, ranked from cheapest to most expensive in our study:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 State Farm $285
2 Nationwide 342
3 Allstate 439
4 Farmers 441
5 Liberty Mutual 479
Average 397

Just keep in mind that the quotes you actually get for your renters insurance will be different from these. That's because companies use the information you enter to calculate your quotes, and it'll depend on where the apartment you rent is located in Georgia, its size, and the amount of liability coverage you get. To get that started, enter your zip code to see a list of insurers active in your area.

Best Renters Insurance Rates in Georgia: by City

The cost range to insure our sample property in the state of Georgia was similar to the range in other states. Our analysis showed the most expensive city in Georgia costs 47% more than the cheapest, which is similar to the difference in other states. For example, an identical study in Ohio showed a difference of 42% between the cheapest and the most expensive. The five cheapest places in Georgia are spread across the state but none are near a major city, which is not surprising.

RankCityAverage Annual Rates% Difference vs State Average
1 Sylvania  $353 -11.3%
2 Newnan  355 -10.8%
3 Swainsboro  357 -10.3%
4 Statesboro  357 -10.3%
5 Winder  357 -10.3%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Sylvania, GA

Native Americans inhabited the area that is now the city of Sylvania for thousands of years before European settlers arrived. The city (population 2,956) also is a popular travel destination because it is near the Brier Creek Battle Site – a famous conflict during the Revolutionary War. Our study showed our sample property was cheapest in Sylvania; 11.3% lower than the state benchmark.

Newnan, GA

The city of more than 33,000 residents is southwest of Atlanta and has experienced tremendous commercial and population in the 21st century. Rocky Roquemore, a famous international golf course designer, is from Newnan. Our study found that the renters insurance rate in Newnan was 10.8% lower than the rest of Georgia. 

Swainsboro, GA

Swainsboro was named after Stephen Swain, the Georgia senator who introduced the bill that created Emanuel County and made the city the county seat. Today, there is a thriving community of artists and affordable renters insurance. Policies in Swainsboro also are 10.3% lower than the rest of the state, according to our study.

Statesboro, GA

The city has a mix of education, manufacturing and agribusiness supporting roughly 30,000 residents. The largest employer is Georgia Southern University. Swainsboro has the third cheapest renters insurance in our study at 10.3% below the state mean.

Winder, GA

During the Civil War, Winder remained largely untouched but it’s not without history. Today, the city with a population of about 15,000 northeast of Atlanta is prosperous and has cheap renters insurance. Our study found premiums in Winder also were 10.3% lower than the state benchmark.

Most Expensive Renters Insurance in Georgia

The most expensive places to have renters insurance in Georgia include the city of Atlanta and smaller cities scattered across the state. Although the cost of premiums is as much as 23% more than the benchmark rate for the state, the percentage difference is comparatively low. For example, the most expensive premiums in California are more than 2x the cost of the cheapest.

RankCityAverage Annual Rates% Difference vs State Average
1 Blakely  $518 30.2%
2 Cleveland  472 18.6%
3 Atlanta  465 16.8%
4 Hartwell  459 15.3%
5 La Fayette  457 14.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Blakely, GA

Blakely is located in the southwest corner of the state and has a population of roughly 4,800 residents. It was founded in 1818 and named after Captain Johnston Blakeley, a prominent naval officer in the Quasi-War and War of 1812. Our study found our benchmark rental unit had the highest rate compared to the rest of the state, 30.2% higher.

Cleveland, GA

The city of 3,727 residents is located near Lake Laceola, a small body of water in northeast Georgia. It was founded in 1857 and named after General Benjamin Cleveland, a prominent figure from the War of 1812. Renters insurance premiums are less expensive than the city of Blakely’s, but still 18.6% higher than the state benchmark.

Atlanta, GA

Atlanta is one of the largest cities in the U.S. with more than 447,000 residents and a large suburban sprawl surrounding it. The city, which was largely destroyed once the Union invaded it during the Civil War, hosted the Olympics in 1996. The headquarters of The Coca-Cola Company, The Home Depot, Delta Airlines, AT&T Mobility, Chick-fil-A and UPS are all located in Atlanta. With a benchmark renters insurance for our sample property 16.8% higher than the state’s, Atlanta is the third most expensive in Georgia.

Hartwell, GA

With a population of roughly 4,500 residents, Hartwell is located on the Savannah River in northeast Georgia. It officially became a city in 1856 and is a popular destination for water sports and fishing. Our study’s benchmark property in Hartwell was 15.3% more expensive than the state's, making it the fourth most expensive spot in the state.

LaFayette, GA

Located just west of the Johns Mountain Wildlife Management Area and less than 30 miles south of Chattanooga, Tennessee, LaFayette is a city with a little more than 7,000 residents. The often called, “Queen City of the Highlands,” our benchmark property was 14.8% more expensive than the state’s.

Average Cost of Renters Insurance in Georgia: by City

We collected hundreds of renters insurance quotes for out benchmark property across 129 places in Georgia. The study resulted in a mean renters insurance rate of $398 and showed that the most expensive premiums in Georgia were 46% higher than the cheapest. While that range is wider than the range in some states, it it narrower than others. For example, the most expensive city in Delaware is only 7% more expensive that the cheapest, while the difference in the state of Texas is 74%.  Below, we’ve shown the cities from the cheapest to the most expensive to give readers a sense of how costs vary relative to the location of the property.

This graph shows how annual renters insurance rates can differ by city across the state of Georgia

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that benchmark residence from five of the major carriers that offer a renters insurance product in the state of Georgia. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium. Here is the list of the cities in alphabetical order:

RankCityAverage Annual Rate*% Difference vs State Average
16 Albany $362 -9.0%
108 Alma 419 5.3%
103 Alpharetta 417 4.8%
69 Americus 401 0.8%
67 Ashburn 401 0.8%
66 Athens 401 0.8%
127 Atlanta 465 16.8%
104 Augusta 418 5.0%
84 Bainbridge 406 2.0%
70 Barnesville 402 1.0%
93 Bartow 412 3.5%
109 Baxley 419 5.3%
117 Blackshear 429 7.8%
115 Blairsville 424 6.5%
129 Blakely 518 30.2%
31 Blue Ridge 368 -7.5%
26 Braselton 365 -8.3%
45 Bremen 389 -2.3%
55 Brookhaven 397 -0.3%
74 Brunswick 402 1.0%
76 Calhoun 403 1.3%
47 Canton 391 -1.8%
105 Carrollton 418 5.0%
73 Cartersville 402 1.0%
63 Cedartown 401 0.8%
65 Chatsworth 401 0.8%
87 Claxton 407 2.3%
97 Clayton 415 4.3%
128 Cleveland 472 18.6%
118 Cochran 431 8.3%
95 Colquitt 412 3.5%
39 Columbus 374 -6.0%
13 Commerce 361 -9.3%
40 Conyers 379 -4.8%
91 Cordele 412 3.5%
56 Cornelia 398 0.0%
111 Covington 420 5.5%
72 Cumming 402 1.0%
99 Dahlonega 417 4.8%
107 Dallas 419 5.3%
124 Dalton 456 14.6%
53 Danielsville 397 -0.3%
52 Dawsonville 397 -0.3%
119 Decatur 431 8.3%
85 Donalsonville 406 2.0%
79 Douglas 404 1.5%
106 Douglasville 419 5.3%
121 Dublin 447 12.3%
114 Dunwoody 424 6.5%
123 East Point 454 14.1%
81 Eastman 406 2.0%
71 Eatonton 402 1.0%
49 Elberton 395 -0.8%
120 Ellijay 439 10.3%
112 Fayetteville 421 5.8%
34 Fitzgerald 369 -7.3%
94 Folkston 412 3.5%
78 Forsyth 404 1.5%
68 Gainesville 401 0.8%
110 Glennville 420 5.5%
82 Gray 406 2.0%
51 Griffin 396 -0.5%
126 Hartwell 459 15.3%
86 Hazlehurst 406 2.0%
98 Hiawassee 415 4.3%
90 Hinesville 411 3.3%
122 Homerville 447 12.3%
89 Jackson 408 2.5%
60 Jefferson 399 0.3%
88 Jesup 407 2.3%
102 Johns Creek 417 4.8%
96 Jonesboro 413 3.8%
75 Kennesaw 403 1.3%
125 La Fayette 457 14.8%
59 Lagrange 399 0.3%
14 Lavonia 361 -9.3%
83 Lawrenceville 406 2.0%
100 Leesburg 417 4.8%
64 Louisville 401 0.8%
50 Macon 395 -0.8%
48 Madison 391 -1.8%
54 Manchester 397 -0.3%
116 Marietta 426 7.0%
57 Martinez 398 0.0%
62 McDonough 400 0.5%
61 Metter 399 0.3%
80 Milledgeville 404 1.5%
92 Millen 412 3.5%
22 Monroe 363 -8.8%
32 Monticello 368 -7.5%
17 Moultrie 362 -9.0%
27 Mount Vernon 365 -8.3%
77 Nahunta 403 1.3%
2 Newnan 355 -10.8%
33 Perry 369 -7.3%
41 Powder Springs 382 -4.0%
43 Reidsville 384 -3.5%
28 Richland 365 -8.3%
11 Richmond Hill 361 -9.3%
30 Rincon 367 -7.8%
101 Ringgold 417 4.8%
18 Rockmart 362 -9.0%
19 Rome 362 -9.0%
38 Roswell 374 -6.0%
23 Saint Marys 363 -8.8%
37 Saint Simons Island 373 -6.3%
113 Sandy Springs 422 6.0%
46 Savannah 389 -2.3%
29 Snellville 366 -8.0%
4 Statesboro 357 -10.3%
44 Summerville 388 -2.5%
3 Swainsboro 357 -10.3%
1 Sylvania 353 -11.3%
12 Thomaston 361 -9.3%
15 Thomasville 361 -9.3%
9 Thomson 359 -9.8%
35 Tifton 369 -7.3%
8 Toccoa 359 -9.8%
58 Trenton 398 0.0%
20 Valdosta 363 -8.8%
21 Vidalia 363 -8.8%
7 Villa Rica 358 -10.1%
6 Washington 358 -10.1%
36 Watkinsville 371 -6.8%
25 Waycross 364 -8.5%
10 Waynesboro 359 -9.8%
5 Winder 357 -10.3%
24 Woodstock 364 -8.5%
42 Zebulon 383 -3.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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