Renters Insurance Cost in Georgia (2026 Average)
Georgia renters paid about $158 a year on average in the NAIC 2021 baseline, about $12 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Georgia renters insurance costs
Georgia renters paid about $158 a year on average in the NAIC 2021 baseline, about $12 less than the $170 US average.
Weather exposure is a major driver here: severe storms and hurricane spillover from the coast shape claim patterns.
Claim frequency and litigation also matter: claim frequency is moderate, with litigation a modest factor.
Replacement costs and carrier competition round out the picture: replacement costs are moderate, with Atlanta above the state norm, and many carriers compete for Atlanta-area renters.
How Georgia compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Georgia | $158 | −$12 |
| United States (national average) | $170 | baseline |
| Alabama | $162 | −$8 |
| Florida | $159 | −$11 |
| South Carolina | $124 | −$46 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.