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The Best and Cheapest Renters Insurance in Georgia for 2024
NerdWallet analyzed rates across the state to find Georgia’s cheapest renters insurance companies.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
The cheapest renters insurance company in Georgia is The Hanover, according to NerdWallet’s rate analysis.
Country Financial and USAA are the best renters insurance companies in Georgia.
The average cost of renters insurance in Georgia is $194 per year.
With an average rate of $194 per year, Georgia is one of the most expensive states in the country for renters insurance, according to NerdWallet’s analysis. But that doesn’t mean you can’t find affordable coverage. We analyzed prices from companies across the state to find the cheapest renters insurance in Georgia.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
$166
*USAA renters policies are available only to active military, veterans and their families.
For a highly rated national insurer, consider one of these carriers from NerdWallet’s list of the best renters insurance companies. Select the company’s name to read our review.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
$166
*USAA renters policies are available only to active military, veterans and their families.
More about the best renters insurance companies in Georgia
See more details about each company to help you decide which one is best for you.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected for a company of its size.
Various ways to customize your policy.
Many discounts available.
Cons
Doesn't offer online quotes.
Renters who want personal assistance with customizing their policy may want to consider Country Financial.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Country Financial sells renters insurance through local representatives in 19 states.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected for a company of its size.
Various ways to customize your policy.
Many discounts available.
Cons
Doesn't offer online quotes.
Renters who want personal assistance with customizing their policy may want to consider Country Financial.
You can upgrade a basic Country Financial renters insurance policy to the company’s “premier” package, which also covers scenarios like a power surge damaging your appliances or the breakage of an antique item. You may also want to add extra coverage for certain types of valuables. For example, the company’s standard policy covers jewelry up to $1,500 in Georgia.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Robust coverage packages.
Far fewer consumer complaints than expected for a company of its size.
Claims can be filed online, through the app or by phone.
Cons
No online quotes.
Three packages let you choose the coverage you need.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for renters who want to work with an agent to get the right coverage.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Robust coverage packages.
Far fewer consumer complaints than expected for a company of its size.
Claims can be filed online, through the app or by phone.
Cons
No online quotes.
Three packages let you choose the coverage you need.
You can choose among several renters insurance packages from The Hanover: one with just the basics, and two with higher limits and extra types of coverage. For example, the middle tier of coverage will pay expenses associated with identity fraud and replace refrigerated food lost in a power outage. Upgrade to the most generous renters package, and your policy can also cover damage from backed-up sewers and drains. The Hanover sells its policies through independent agents, so you can talk through the options you need.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers inflation coverage.
Few customer complaints for a company of its size.
Many coverage options to choose from.
Cons
Advertises fewer discounts than some other insurers.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
The country’s biggest home insurer offers solid renters insurance with lots of ways to manage your policy online.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers inflation coverage.
Few customer complaints for a company of its size.
Many coverage options to choose from.
Cons
Advertises fewer discounts than some other insurers.
Long list of add-ons to customize your policy.
State Farm renters insurance comes with replacement cost coverage for furniture, clothes and other personal belongings. That means if your stuff is stolen or destroyed, the company will pay enough for you to buy brand-new replacements. (Other companies may pay less for your older items due to depreciation.) You may also be able to add coverage for water backup and identity theft.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Many discounts available.
Far fewer consumer complaints than expected for a company of its size.
Cons
No option to get quotes or file claims online.
Renters who feel comfortable working with an independent agent to customize their coverage may want to consider Auto-Owners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Auto-Owners offers multiple discounts for renters but sells insurance through independent agents only.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Many discounts available.
Far fewer consumer complaints than expected for a company of its size.
Cons
No option to get quotes or file claims online.
Renters who feel comfortable working with an independent agent to customize their coverage may want to consider Auto-Owners.
Auto-Owners offers many ways to save on renters insurance, including discounts for bundling multiple policies, paying your premium annually and signing up for paperless billing. You can upgrade your policy with the Renters Plus package, which includes extra coverage for things like damage from backed-up drains and food that spoils in a power outage. Auto-Owners sells insurance through independent agents.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Useful website features.
Various coverage and discount options available.
Cons
Ranks below average for consumer satisfaction in the latest J.D. Power home insurance study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Renters insurance coverage from a large, tech-friendly company.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Useful website features.
Various coverage and discount options available.
Cons
Ranks below average for consumer satisfaction in the latest J.D. Power home insurance study.
User-friendly website and solid coverage options.
Does your home have smart-home technology, a burglar alarm or an interior sprinkler system? If so, you might be able to save on Travelers renters insurance. You may also be eligible for a bundle or claims-free discount. Extra coverage may be available for expensive items such as jewelry or computers.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Many discounts available.
Users can manage their policies online or through the app.
Fewer consumer complaints than expected for a company of its size.
Cons
Rates higher than the national average in NerdWallet's analysis.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage plus a user-friendly app to manage your policy.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Many discounts available.
Users can manage their policies online or through the app.
Fewer consumer complaints than expected for a company of its size.
Cons
Rates higher than the national average in NerdWallet's analysis.
Good customer service and lots of discounts.
Farmers offers a variety of ways to save on your renters insurance policy, including potential discounts for bundling multiple policies, having a security system or being a nonsmoker. Teachers, doctors, nurses and police officers may also be eligible for savings. If you have expensive belongings, such as an engagement ring or fine art, ask about extra coverage to make sure those items are properly insured.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly mobile app.
Several additional coverage options.
Fewer consumer complaints than expected for a company of its size.
Cons
Online quotes may not be available.
Offers many ways to customize and save on your policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Renters insurance coverage with a few useful add-ons.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly mobile app.
Several additional coverage options.
Fewer consumer complaints than expected for a company of its size.
Cons
Online quotes may not be available.
Offers many ways to customize and save on your policy.
Along with standard coverage for liability and personal belongings, Nationwide renters insurance includes coverage for expenses due to theft, like unauthorized credit or debit card transactions and forged checks. You may also be able to add coverage for jewelry and other valuables or for damage due to backed-up drains.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
No extra charge for flood or earthquake coverage.
Far fewer consumer complaints than expected for a company of its size.
Has options tailored for active-duty military.
Cons
Available only to veterans, active members of the military and their families.
Standard policies include coverage for flood and earthquake damage.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage for active military, veterans and their families.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
No extra charge for flood or earthquake coverage.
Far fewer consumer complaints than expected for a company of its size.
Has options tailored for active-duty military.
Cons
Available only to veterans, active members of the military and their families.
Standard policies include coverage for flood and earthquake damage.
Unlike most insurance companies, USAA covers flood and earthquake damage as part of its standard renters policies. It also includes replacement cost coverage for your belongings, so any claim payouts will be enough to buy brand-new items. USAA insurance is available only to active military, veterans and their families. If you live in military housing such as a base or barracks, you may be eligible for a discount on your renters insurance.
The average cost of renters insurance in Georgia is $194 a year, or about $16 a month. That’s 31% higher than the national average of $148 a year.
In most U.S. states, including Georgia, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Georgia, those with poor credit pay an average of $347 per year for renters insurance, according to NerdWallet’s rate analysis. That’s about 79% more than those with good credit.
Average cost of renters insurance in Georgia by city
How much you pay for renters insurance in Georgia depends on where you live. For example, the average cost of renters insurance in Atlanta is $239 per year, on average, while renters in Marietta pay $208 per year. Check out your city below.
Below are some of the natural disasters Georgia tenants might face, and how renters insurance can help.
Hurricanes and tropical storms
These types of storms bring two potential sources of damage — wind and water — but your renters policy may cover only one of them.
Most renters policies won’t pay for flood damage, so if you live in a ground-floor apartment in an at-risk area, you may want to buy separate flood insurance. Learn more about flood insurance for renters.
Most renters policies do cover wind damage. However, if your home is located near the coast, you might have a separate deductible for damage due to windstorms, named storms or hurricanes. That means you might have to pay more out of pocket for a wind claim than you would for other types of claims.
In some cases, wind damage may be excluded from your policy altogether if you live in a high-risk coastal area. At that point, you could turn to the Georgia Underwriting Association, the state’s insurer of last resort.
The wind coverage included in most renters policies will pay for destruction from tornadoes.
Lightning and fires
The vast majority of renters policies cover fire and smoke damage. This could include wildfires, a kitchen fire in your apartment or smoke from a blaze next door.
Winter storms
Georgia’s winters are relatively mild, but the state does see occasional ice and snowstorms. A standard renters policy will cover water damage from a burst pipe. Some policies will also pay if you lose refrigerated food in a power outage.
Earthquakes
Earthquakes are rare in Georgia, but if you’re unlucky enough to experience one, your renters policy likely won’t cover any damage. You can buy earthquake insurance as an add-on or separate policy.
The rates above can give you a rough idea of what you’ll pay, but your own premium will depend on a variety of factors.
Where you live
Insurers consider some locations riskier than others. For example, they might charge more for renters insurance in a high-crime area because they consider you more likely to file a theft claim.
Previous claims
If you’ve filed a claim in the past, insurance companies may raise your premium because they think you’re more likely to file again in the future. In Georgia, renters with a recent claim pay an average of 22% more than those with a clean claims history, according to our rate analysis.
Your coverage
The more stuff you have, the more coverage you’ll need, and the higher your premium is likely to be.
A deductible is the amount of a claim you cover yourself before your insurer starts paying. Choosing a higher amount can save you a few bucks on your renters policy. Just make sure you’d feel comfortable paying that amount in a pinch.
Your credit history
As noted above, many insurers will charge more if you have poor credit. Learn more about how to rebuild your credit.
Got deadbolt locks, smoke detectors, a burglar alarm or a sprinkler system? You might be eligible for a protective device discount from your insurer.
Your other policies
Another common way to save on renters insurance is by bundling your policy with another type of insurance, such as auto.
Your dog
The liability part of your renters policy generally covers expenses if your dog bites someone else. That means your insurer might charge you more if you own a breed it considers a higher attack risk, such as a pit bull or Doberman pinscher.
How can I save money on Georgia renters insurance?
Getting quotes from multiple companies is the best way to make sure you’ve got the lowest price for your coverage. (Make sure to compare similar coverage amounts and deductibles.) You can also ask about discounts, bundle your auto and renters insurance with the same company and consider raising your deductible.
What does renters insurance cover in Georgia?
Renters insurance generally covers your belongings for theft and damage from fire, smoke, vandalism and other scenarios listed in your policy. It also includes renters liability insurance, which can protect you financially if you’re responsible for hurting someone else or damaging their property. Most renters policies don’t cover damage from flooding or earthquakes.
Is renters insurance required in Georgia?
There’s no Georgia law saying you need to buy renters insurance, but some landlords require their tenants to have it. See
How can I save money on Georgia renters insurance?
Getting quotes from multiple companies is the best way to make sure you’ve got the lowest price for your coverage. (Make sure to compare similar coverage amounts and deductibles.) You can also ask about discounts, bundle your auto and renters insurance with the same company and consider raising your deductible.
What does renters insurance cover in Georgia?
Renters insurance generally covers your belongings for theft and damage from fire, smoke, vandalism and other scenarios listed in your policy. It also includes
, which can protect you financially if you’re responsible for hurting someone else or damaging their property. Most renters policies don’t cover damage from flooding or earthquakes.
Methodology
Renters insurance star rating methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the national cost of renters insurance, NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. To find the average cost of renters insurance by state and city, we calculated the median rates from all insurance companies where coverage and rates were available. To find the average cost of renters insurance for each company, we calculated the mean for that company’s rates in all ZIP codes across the state.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
To see rates for renters with poor credit, we changed the credit tier from “good” to “poor” as reported to the insurer.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.