Cheapest & Best Renters Insurance In Atlanta 2025
In Atlanta, Auto-Owners offers the most affordable renters insurance at around $10 per month. However, Amica is considered the top choice overall in the region.
We’ve saved shoppers an average of $200 per year on their renters insurance.
Auto-Owners provides the most budget-friendly renters insurance in Atlanta, costing around $10 per month. On the other hand, Amica is the top choice due to its outstanding customer service and bundling benefits, though it comes at a higher price of approximately $29 per month.
Each year, Atlanta experiences over 20,000 property crimes, impacting about 40 out of every 1,000 residents. With crime rates this high, renters insurance is a smart investment—it protects your belongings and offers financial security, giving you greater peace of mind.
Cheapest Renters Insurance Companies In Atlanta
If you’re searching for low-cost renters insurance in Atlanta, Auto-Owners provides the most affordable option at an average of $10 per month. For easy comparison, the table below lists the five most budget-friendly providers.
| Company | Average Monthly Cost |
| Farmers | $15 |
| Georgia Farm Bureau | $13 |
| Safeco | $14 |
| Auto-Owners | $10 |
| USAA | $11 |
Best Renters Insurance Companies In Atlanta
If you’re renting in Atlanta and looking for affordable insurance, Auto-Owners is a solid choice. However, the lowest price doesn’t always mean the best coverage. In my opinion, Amica is the top pick for renters insurance in the area. It excels in customer service, offers bundling discounts, and allows you to customize and upgrade your policy to better suit your needs.
| Company | Average Monthly Cost |
| Georgia Farm Bureau | $13 |
| Nationwide | $35 |
| Amica | $29 |
| State Farm | $23 |
| Travelers | $17 |
Average Cost Of Renters Insurance In Atlanta
In Atlanta, renters typically pay around $26 per month or $312 per year for insurance. However, your actual cost may vary depending on factors like coverage limits, location, deductible, and the insurer’s pricing model. The table below outlines the average rates from five leading providers in the city.
| Company | Average Monthly Cost |
| State Farm | $25 |
| Nationwide | $38 |
| Travelers | $20 |
| Georgia Farm Bureau | $15 |
| Amica | $31 |
Average Cost Of Renters Insurance In Atlanta By Deductible
A deductible is an amount you must pay out of pocket before your renters insurance starts covering a claim. Opting for a higher deductible can reduce your monthly premium, whereas a lower deductible usually results in higher monthly costs. The table below shows how renters insurance rates in Atlanta vary based on different deductible choices.
| Deductible Amount | Average Monthly Cost |
| $250 | $26 |
| $500 | $25 |
| $1,000 | $23 |
| $1,500 | $20 |
| $2,000 | $18 |
Factors That Impact Renters Insurance Costs In Atlanta
Several factors affect the cost of renters insurance in Atlanta:
Location: Areas with high crime rates or natural disaster risks, such as hurricanes and storms in Atlanta, often have higher insurance costs.
Credit Score: Many insurers consider credit scores when setting rates, with lower scores typically leading to higher premiums.
Home Safety Features: Installing security systems, smoke detectors, or sprinkler systems can reduce risks and may qualify you for discounts.
Coverage Limits: Policies with higher protection levels, including add-ons like replacement cost coverage or identity theft protection, generally come with higher costs.
Deductible Amount: A higher deductible can lower your monthly premium, while a lower deductible increases costs since the insurer assumes more risk.
Claim History: If you’ve filed multiple claims in the past, insurers may see you as a higher risk, which can lead to increased premiums.
Common Causes Of Loss In Georgia
Renters in Georgia often file claims for fire, theft, water damage, and hurricane-related losses. Understanding these risks can help tenants choose the best coverage to protect their belongings and finances.
Fire
Fires in multi-unit buildings can spread quickly, causing major losses. Renters insurance helps cover the cost of replacing personal belongings damaged by fire.
Water Damage
Leaks from plumbing, burst pipes, or roof issues can result in expensive repairs. While standard renters insurance covers internal water damage, flood-related losses typically require a separate flood insurance policy.
Theft
With over 20,000 property crimes reported annually in Atlanta and more than 150,000 across Georgia, renters insurance is a smart investment. Many policies also include liability coverage if someone is injured during a break-in.
Hurricanes and Storms
Storms and hurricanes are some of the most damaging risks in Georgia. While most renters insurance policies in Atlanta cover wind and storm-related damage, flood protection may require an additional policy.
Other Covered Losses
Renters insurance may also protect against vandalism, accidental damage, and certain natural disasters, offering additional financial security.
By recognizing these risks, renters can select a policy that best meets their needs.
Our Methodology
To assess renters insurance companies, we looked at several important factors, including cost, coverage options, claims process, and customer support. Our research involved gathering quotes from different insurers in Atlanta for standard policies that provide $20,000 in personal property coverage and $100,000 in liability protection.
We also reviewed deductible choices, optional coverage for risks such as floods and earthquakes, and discounts available for bundling renters and auto insurance. Customer satisfaction was a key consideration, with data from sources like J.D. Power and Consumer Reports helping us identify insurers with strong service and efficient claims handling.
Additionally, we factored in risks specific to Atlanta, such as theft and water damage, which can impact coverage needs. By analyzing these aspects, our guide offers a detailed comparison of renters insurance options in Georgia.
Quotes Analyzed
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About Bob Phillips
