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Renters and home insurance rates in Georgia

The NAIC's published average premiums for Georgia by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value. Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year
$205
average homeowners premium (HO-3), per year
$1,655
renter households
1,388,484

By county

Fulton County209,954$1,635$431,200
DeKalb County118,144$1,591$331,400
Gwinnett County107,545$1,713$345,700
Cobb County96,846$1,640$373,700
Chatham County52,124$1,382$273,300
Clayton County49,444$1,307$194,500
Muscogee County40,109$1,072$182,300
Richmond County36,448$1,087$163,300
Clarke County31,825$1,162$271,900
Bibb County28,932$1,026$165,800
Henry County23,201$1,538$277,400
Cherokee County22,395$1,703$389,800
Hall County22,182$1,247$313,600
Houston County20,449$1,143$205,600
Lowndes County19,727$1,002$197,900
Dougherty County18,324$905$129,200
Douglas County17,229$1,447$262,200
Bulloch County14,149$968$191,600
Floyd County13,915$971$194,100
Carroll County13,385$1,124$227,500
Forsyth County13,027$1,937$493,800
Coweta County12,389$1,397$321,900
Liberty County11,716$1,203$180,200
Rockdale County11,621$1,341$256,600
Paulding County11,566$1,622$289,000
Whitfield County11,553$907$198,900
Glynn County11,411$1,060$268,300
Columbia County11,202$1,330$287,400
Troup County11,031$1,044$187,800
Newton County10,569$1,331$233,300
Bartow County10,367$1,202$262,200
Spalding County9,619$1,053$196,600
Fayette County8,300$1,787$405,600
Camden County7,614$1,167$233,900
Walton County7,277$1,231$300,500
Thomas County6,996$996$185,300
Catoosa County6,514$953$214,200
Walker County6,373$867$173,900
Laurens County6,298$769$137,400
Colquitt County6,147$779$121,400
Barrow County6,114$1,197$255,200
Tift County6,058$799$143,100
Baldwin County5,751$865$164,700
Gordon County5,713$872$205,600
Coffee County5,651$713$125,700
Polk County5,535$870$163,500
Jackson County5,452$1,048$312,700
Effingham County5,061$1,116$245,300
Ware County4,955$786$106,500
Sumter County4,887$847$122,300
Murray County4,067$828$173,300
Habersham County4,063$939$212,000
Decatur County3,996$860$146,200
Upson County3,870$779$149,500
Bryan County3,855$1,584$317,100
Wayne County3,765$839$149,800
Crisp County3,687$743$120,800
Grady County3,620$789$136,500
Toombs County3,475$714$127,100
Haralson County3,324$884$210,400
Emanuel County3,323$742$88,200
Lee County3,164$1,147$226,900
Peach County3,032$901$186,100
Chattooga County2,981$789$98,700
Pickens County2,888$1,079$289,600
McDuffie County2,886$813$155,100
Ben Hill County2,879$692$114,600
Stephens County2,865$817$168,200
Mitchell County2,768$776$105,500
Oconee County2,709$1,347$425,100
Madison County2,655$951$198,800
Hart County2,627$814$206,500
Elbert County2,590$849$114,600
Butts County2,532$952$227,800
Burke County2,480$763$107,800
Fannin County2,476$876$274,600
Lumpkin County2,460$1,090$277,200
Gilmer County2,428$955$278,900
Meriwether County2,413$899$154,600
Washington County2,405$836$115,600
Dawson County2,344$1,425$351,900
White County2,315$1,015$262,200
Cook County2,268$901$123,000
Worth County2,162$855$112,400
Long County2,144$931$196,500
Berrien County2,131$771$115,200
Dodge County2,105$688$108,700
Franklin County2,096$778$160,600
Tattnall County2,087$660$122,400
Appling County1,985$711$81,400
Morgan County1,965$1,090$323,100
Union County1,905$842$272,600
Jefferson County1,876$723$93,100
Brooks County1,774$752$118,100
Putnam County1,770$1,063$222,000
Monroe County1,770$881$243,200
Jeff Davis County1,697$674$109,300
Lamar County1,664$913$201,400
Pierce County1,643$794$132,100
Greene County1,637$936$342,200
Rabun County1,609$1,016$272,600
Banks County1,582$788$251,700
Jones County1,570$917$174,600
Candler County1,569$706$135,600
Brantley County1,549$714$91,800
Macon County1,544$624$87,000
Harris County1,477$941$278,700
Terrell County1,460$727$111,500
Evans County1,394$720$139,700
Wilkes County1,368$759$105,000
Screven County1,364$629$122,300
Dade County1,364$843$166,600
Randolph County1,334$554$90,900
Dooly County1,307$761$96,400
Heard County1,215$855$161,000
Chattahoochee County1,215$1,235$99,800
Early County1,199$774$130,100
Turner County1,189$655$95,200
Taylor County1,174$665$82,900
Towns County1,162$822$311,900
Bleckley County1,143$765$132,900
Atkinson County1,129$620$76,300
Irwin County1,072$824$105,300
Pulaski County1,064$789$144,300
Bacon County1,047$789$104,100
Pike County988$1,056$265,700
Lanier County971$878$161,100
Oglethorpe County969$832$198,700
McIntosh County946$781$173,900
Seminole County936$819$111,600
Treutlen County919$668$98,400
Jasper County919$983$219,700
Telfair County904$614$108,200
Charlton County893$895$119,000
Johnson County802$661$91,200
Miller County790$699$118,300
Clinch County739$505$86,300
Stewart County731$588$53,000
Montgomery County724$732$118,200
Crawford County680$751$144,800
Marion County677$717$122,100
Wilcox County676$612$71,200
Hancock County642$671$87,400
Lincoln County621$732$163,600
Wilkinson County568$766$90,800
Calhoun County559$638$82,200
Warren County499$676$78,000
Wheeler County482$551$74,600
Talbot County407$950$127,200
Jenkins County387$544$81,100
Schley County339$746$152,900
Baker County304$643$120,100
Twiggs County294$618$104,500
Echols County280$833$112,600
Clay County272$578$92,500
Glascock County269$813$122,800
Quitman County199$734$103,000
Webster County148$663$92,200
Taliaferro County135$715$73,100

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Cite as: "HomeCover HQ Rates Index: Georgia", updated 2026-08-17, https://homecoverhq.com/rates/georgia/.

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Average annual renters insurance premium · Georgia · 2022

$205

renter households1,388,484

Source: HomeCover HQ Rates Index: Georgia

Download the Georgia county-level dataset (CSV), free to reuse with citation.

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