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.
More
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
By county
| Fulton County | 209,954 | $1,635 | $431,200 |
|---|---|---|---|
| DeKalb County | 118,144 | $1,591 | $331,400 |
| Gwinnett County | 107,545 | $1,713 | $345,700 |
| Cobb County | 96,846 | $1,640 | $373,700 |
| Chatham County | 52,124 | $1,382 | $273,300 |
| Clayton County | 49,444 | $1,307 | $194,500 |
| Muscogee County | 40,109 | $1,072 | $182,300 |
| Richmond County | 36,448 | $1,087 | $163,300 |
| Clarke County | 31,825 | $1,162 | $271,900 |
| Bibb County | 28,932 | $1,026 | $165,800 |
| Henry County | 23,201 | $1,538 | $277,400 |
| Cherokee County | 22,395 | $1,703 | $389,800 |
| Hall County | 22,182 | $1,247 | $313,600 |
| Houston County | 20,449 | $1,143 | $205,600 |
| Lowndes County | 19,727 | $1,002 | $197,900 |
| Dougherty County | 18,324 | $905 | $129,200 |
| Douglas County | 17,229 | $1,447 | $262,200 |
| Bulloch County | 14,149 | $968 | $191,600 |
| Floyd County | 13,915 | $971 | $194,100 |
| Carroll County | 13,385 | $1,124 | $227,500 |
| Forsyth County | 13,027 | $1,937 | $493,800 |
| Coweta County | 12,389 | $1,397 | $321,900 |
| Liberty County | 11,716 | $1,203 | $180,200 |
| Rockdale County | 11,621 | $1,341 | $256,600 |
| Paulding County | 11,566 | $1,622 | $289,000 |
| Whitfield County | 11,553 | $907 | $198,900 |
| Glynn County | 11,411 | $1,060 | $268,300 |
| Columbia County | 11,202 | $1,330 | $287,400 |
| Troup County | 11,031 | $1,044 | $187,800 |
| Newton County | 10,569 | $1,331 | $233,300 |
| Bartow County | 10,367 | $1,202 | $262,200 |
| Spalding County | 9,619 | $1,053 | $196,600 |
| Fayette County | 8,300 | $1,787 | $405,600 |
| Camden County | 7,614 | $1,167 | $233,900 |
| Walton County | 7,277 | $1,231 | $300,500 |
| Thomas County | 6,996 | $996 | $185,300 |
| Catoosa County | 6,514 | $953 | $214,200 |
| Walker County | 6,373 | $867 | $173,900 |
| Laurens County | 6,298 | $769 | $137,400 |
| Colquitt County | 6,147 | $779 | $121,400 |
| Barrow County | 6,114 | $1,197 | $255,200 |
| Tift County | 6,058 | $799 | $143,100 |
| Baldwin County | 5,751 | $865 | $164,700 |
| Gordon County | 5,713 | $872 | $205,600 |
| Coffee County | 5,651 | $713 | $125,700 |
| Polk County | 5,535 | $870 | $163,500 |
| Jackson County | 5,452 | $1,048 | $312,700 |
| Effingham County | 5,061 | $1,116 | $245,300 |
| Ware County | 4,955 | $786 | $106,500 |
| Sumter County | 4,887 | $847 | $122,300 |
| Murray County | 4,067 | $828 | $173,300 |
| Habersham County | 4,063 | $939 | $212,000 |
| Decatur County | 3,996 | $860 | $146,200 |
| Upson County | 3,870 | $779 | $149,500 |
| Bryan County | 3,855 | $1,584 | $317,100 |
| Wayne County | 3,765 | $839 | $149,800 |
| Crisp County | 3,687 | $743 | $120,800 |
| Grady County | 3,620 | $789 | $136,500 |
| Toombs County | 3,475 | $714 | $127,100 |
| Haralson County | 3,324 | $884 | $210,400 |
| Emanuel County | 3,323 | $742 | $88,200 |
| Lee County | 3,164 | $1,147 | $226,900 |
| Peach County | 3,032 | $901 | $186,100 |
| Chattooga County | 2,981 | $789 | $98,700 |
| Pickens County | 2,888 | $1,079 | $289,600 |
| McDuffie County | 2,886 | $813 | $155,100 |
| Ben Hill County | 2,879 | $692 | $114,600 |
| Stephens County | 2,865 | $817 | $168,200 |
| Mitchell County | 2,768 | $776 | $105,500 |
| Oconee County | 2,709 | $1,347 | $425,100 |
| Madison County | 2,655 | $951 | $198,800 |
| Hart County | 2,627 | $814 | $206,500 |
| Elbert County | 2,590 | $849 | $114,600 |
| Butts County | 2,532 | $952 | $227,800 |
| Burke County | 2,480 | $763 | $107,800 |
| Fannin County | 2,476 | $876 | $274,600 |
| Lumpkin County | 2,460 | $1,090 | $277,200 |
| Gilmer County | 2,428 | $955 | $278,900 |
| Meriwether County | 2,413 | $899 | $154,600 |
| Washington County | 2,405 | $836 | $115,600 |
| Dawson County | 2,344 | $1,425 | $351,900 |
| White County | 2,315 | $1,015 | $262,200 |
| Cook County | 2,268 | $901 | $123,000 |
| Worth County | 2,162 | $855 | $112,400 |
| Long County | 2,144 | $931 | $196,500 |
| Berrien County | 2,131 | $771 | $115,200 |
| Dodge County | 2,105 | $688 | $108,700 |
| Franklin County | 2,096 | $778 | $160,600 |
| Tattnall County | 2,087 | $660 | $122,400 |
| Appling County | 1,985 | $711 | $81,400 |
| Morgan County | 1,965 | $1,090 | $323,100 |
| Union County | 1,905 | $842 | $272,600 |
| Jefferson County | 1,876 | $723 | $93,100 |
| Brooks County | 1,774 | $752 | $118,100 |
| Putnam County | 1,770 | $1,063 | $222,000 |
| Monroe County | 1,770 | $881 | $243,200 |
| Jeff Davis County | 1,697 | $674 | $109,300 |
| Lamar County | 1,664 | $913 | $201,400 |
| Pierce County | 1,643 | $794 | $132,100 |
| Greene County | 1,637 | $936 | $342,200 |
| Rabun County | 1,609 | $1,016 | $272,600 |
| Banks County | 1,582 | $788 | $251,700 |
| Jones County | 1,570 | $917 | $174,600 |
| Candler County | 1,569 | $706 | $135,600 |
| Brantley County | 1,549 | $714 | $91,800 |
| Macon County | 1,544 | $624 | $87,000 |
| Harris County | 1,477 | $941 | $278,700 |
| Terrell County | 1,460 | $727 | $111,500 |
| Evans County | 1,394 | $720 | $139,700 |
| Wilkes County | 1,368 | $759 | $105,000 |
| Screven County | 1,364 | $629 | $122,300 |
| Dade County | 1,364 | $843 | $166,600 |
| Randolph County | 1,334 | $554 | $90,900 |
| Dooly County | 1,307 | $761 | $96,400 |
| Heard County | 1,215 | $855 | $161,000 |
| Chattahoochee County | 1,215 | $1,235 | $99,800 |
| Early County | 1,199 | $774 | $130,100 |
| Turner County | 1,189 | $655 | $95,200 |
| Taylor County | 1,174 | $665 | $82,900 |
| Towns County | 1,162 | $822 | $311,900 |
| Bleckley County | 1,143 | $765 | $132,900 |
| Atkinson County | 1,129 | $620 | $76,300 |
| Irwin County | 1,072 | $824 | $105,300 |
| Pulaski County | 1,064 | $789 | $144,300 |
| Bacon County | 1,047 | $789 | $104,100 |
| Pike County | 988 | $1,056 | $265,700 |
| Lanier County | 971 | $878 | $161,100 |
| Oglethorpe County | 969 | $832 | $198,700 |
| McIntosh County | 946 | $781 | $173,900 |
| Seminole County | 936 | $819 | $111,600 |
| Treutlen County | 919 | $668 | $98,400 |
| Jasper County | 919 | $983 | $219,700 |
| Telfair County | 904 | $614 | $108,200 |
| Charlton County | 893 | $895 | $119,000 |
| Johnson County | 802 | $661 | $91,200 |
| Miller County | 790 | $699 | $118,300 |
| Clinch County | 739 | $505 | $86,300 |
| Stewart County | 731 | $588 | $53,000 |
| Montgomery County | 724 | $732 | $118,200 |
| Crawford County | 680 | $751 | $144,800 |
| Marion County | 677 | $717 | $122,100 |
| Wilcox County | 676 | $612 | $71,200 |
| Hancock County | 642 | $671 | $87,400 |
| Lincoln County | 621 | $732 | $163,600 |
| Wilkinson County | 568 | $766 | $90,800 |
| Calhoun County | 559 | $638 | $82,200 |
| Warren County | 499 | $676 | $78,000 |
| Wheeler County | 482 | $551 | $74,600 |
| Talbot County | 407 | $950 | $127,200 |
| Jenkins County | 387 | $544 | $81,100 |
| Schley County | 339 | $746 | $152,900 |
| Baker County | 304 | $643 | $120,100 |
| Twiggs County | 294 | $618 | $104,500 |
| Echols County | 280 | $833 | $112,600 |
| Clay County | 272 | $578 | $92,500 |
| Glascock County | 269 | $813 | $122,800 |
| Quitman County | 199 | $734 | $103,000 |
| Webster County | 148 | $663 | $92,200 |
| Taliaferro County | 135 | $715 | $73,100 |
Download the Georgia county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Georgia was $205 in 2022, across 1,388,484 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Georgia", updated 2026-08-17, https://homecoverhq.com/rates/georgia/.