Updated: February 5, 2026
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Best renters insurance in Georgia: The Hanover
Cheapest renters insurance in Georgia: Farm Bureau
Average renters insurance rate in Georgia: $228 per year
The Hanover is Georgia's best renters insurance provider. The company earns a MoneyGeek score of 4.82 out of 5 and costs $13 monthly with high customer service ratings.
The top five renters insurance companies in Georgia that earned the highest MoneyGeek scores include:
| The Hanover | 4.82 | $13 | $150 |
| Chubb | 4.73 | $15 | $176 |
| Farm Bureau | 4.72 | $8 | $97 |
| State Farm | 4.63 | $17 | $202 |
| Auto-Owners Insurance | 4.54 | $16 | $197 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Georgia Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Farm Bureau offers the cheapest renters insurance in Georgia at $8 per month for $20,000 in personal property coverage. That's $11 below Georgia's $19 monthly average, saving you $132 annually compared to the state average.
Seven of 10 insurers charge less than Georgia's $19 state average. Rates from the 10 most affordable companies range from $8 to $23 monthly for the same coverage.
| Farm Bureau | $8 | $-11 |
| The Hanover | $13 | $-7 |
| ASI Insurance | $14 | $-5 |
| USAA | $15 | $-4 |
| Chubb | $15 | $-4 |
| Auto-Owners Insurance | $16 | $-3 |
| State Farm | $17 | $-2 |
| Nationwide | $21 | $2 |
| Farmers | $22 | $3 |
| Travelers | $23 | $4 |
Georgia renters pay $19 per month ($228 annually) for renters insurance, which is $3 more per month than the national average of $16. The higher costs come from Georgia's severe weather risks, including hurricanes, tornadoes and hailstorms, and higher property crime rates in metro areas like Atlanta, which increase insurers' claim payouts.
Renters insurance costs vary across Georgia cities, with Atlanta charging the highest average at $20 per month ($245 annually) and Athens and Newnan tying for the lowest at $17 monthly ($206 annually). Most Georgia cities fall within $2 to $3 of the state's $19 monthly average, though location-specific factors like crime rates, weather risks and claims history create these pricing differences.
| Athens | $17 | $206 |
| Atlanta | $20 | $245 |
| Augusta | $19 | $226 |
| Columbus | $19 | $227 |
| Macon | $19 | $232 |
| Newnan | $17 | $206 |
| Savannah | $19 | $232 |
| Waleska | $18 | $210 |
| Warner Robins | $18 | $221 |
Farm Bureau offers the cheapest renters insurance across most coverage levels in Georgia. The insurer provides the lowest rates for $20,000, $50,000 and $100,000 in personal property coverage with $100,000 liability limits. State Farm is the cheapest option at the highest coverage level, charging $34 monthly for $250,000 in personal property coverage and $300,000 in liability protection.
| $20K Personal Property / $100K Liability | Farm Bureau | $8 |
| $50K Personal Property / $100K Liability | Farm Bureau | $15 |
| $100K Personal Property / $100K Liability | Farm Bureau | $30 |
| $250K Personal Property / $300K Liability | State Farm | $34 |
Finding the right renters insurance means understanding coverage types, calculating your personal property value and comparing rates.
Request quotes from at least three insurers to find the lowest rate. Farm Bureau charges $8 monthly while Travelers charges $23 for identical $20,000 coverage — a $15 monthly difference. Online quote tools let you compare rates in minutes.
Combine your renters and auto insurance with the same company to save 10% to 25% on both premiums. State Farm and Auto-Owners offer bundling discounts that reduce your total insurance costs and simplify billing.
Raising your deductible leads to lower monthly premiums. You'll pay more out-of-pocket when filing claims, so make sure you can afford the higher deductible from your emergency fund.
Georgia insurers offer discounts for security systems, smoke detectors, claims-free history and automatic payments. State Farm provides good student discounts for renters under 25 who maintain a B average or better. Ask your insurer about all available discounts since some don't automatically apply them.
Georgia doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage. Your rental history, credit score and pet ownership affect coverage requirements. Consider your property value, local weather risks and crime rates when choosing coverage limits.
Use our calculator below to determine how much renters insurance you need.
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
The Hanover has the best renters insurance in Georgia with a MoneyGeek score of 4.8 out of 5. The company costs $13 monthly and provides high customer satisfaction at affordable rates.
The average renters insurance cost in Georgia is $19 per month or $228 annually for $20,000 in personal property coverage. Georgia costs $3 more per month than the national average of $16 due to severe weather risks like hurricanes and tornadoes, plus higher property crime rates in metro areas like Atlanta.
Renters insurance with $100,000 in personal property coverage costs $63 per month or $757 annually in Georgia on average. Farm Bureau offers the cheapest option at this coverage level for $30 monthly. Most renters choose $20,000 to $50,000 in coverage, making the $100,000 tier suitable for those with expensive belongings or collectibles.
Georgia doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific coverage requirements, which may vary based on your rental history, credit score and whether you own pets. Check your lease agreement for exact coverage requirements.
We analyzed Georgia renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters with the following profile:
Affordability accounted for 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors earned spots on our list of Georgia's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
