Best homeowners insurance in Georgia (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Georgia.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|5 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Georgia homeowners pay an average of $163 a month or $1,950 per year for a homeowners insurance policy with $300,000 in dwelling coverage, according to a Policygenius analysis of 2023 premiums. But with the increase in devastating tornadoes that spread across the state in March of 2023, many homeowners are left wondering if they should expect a rate hike in their insurance bill as a result.

Compare home insurance rates in Georgia

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Mark Friedlander, a spokesperson for the Insurance Information Institute, doesn't seem to think so. "Based on past industry trends and average, we don’t see the type of storm damage that occurred in various Georgia communities in recent weeks to be a driver of higher rates." However, he goes on to mention you still might see rate increases this year due to above-average inflation, supply chain disruptions, and expensive construction costs that have increased the cost to rebuild homes nationwide. Our list of the best homeowners insurance companies in Georgia can give you a starting off point for finding affordable coverage where you live.

Compare the best homeowners insurance companies in Georgia

While Auto-Owners Insurance offers the cheapest home insurance insurance rates in Georgia, Allstate's combination of lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options makes it our top pick for best homeowners insurance company in Georgia.

Company

Best for...

Average monthly cost

Policygenius rating

Auto-Owners Insurance

Low premiums

$107

5.0 out of 5

State Farm

Policy add-ons

$208

4.8 out of 5

Farmers

Lots of discounts

$152

4.5 out of 5

Allstate

Flexible coverage

$128

4.4 out of 5

Travelers

Flood insurance add-on

$200

4.4 out of 5

Methodology & why you can trust our rates

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the best home insurance companies in Georgia, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.

When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.

We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Georgia residents to find the best homeowners insurance in Georgia.

To get the average rate for each company in Georgia, we analyzed rates provided by Quadrant Information Services in March 2022 for 777 ZIP codes in Georgia for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.

Compare home insurance rates in Georgia

We don't sell your information to third parties.

Best overall home insurance company in Georgia: Allstate

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a standout option. Airbnb hosts may benefit from Allstate coverage thanks HostAdvantage — its affordable short-term rental coverage that can be added to any policy.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why we chose Allstate

Allstate is a great all-around company for its robust coverage options, strong financial strength, and its often affordable coverage.

In Georgia, we found that Allstate may not be the cheapest homeowners insurance coverage, but its lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options make it the top choice for homeowners in Georgia. The company also offers a few discounts that will be easy for many people to qualify for, including discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires.

How do Allstate home insurance rates compare to the Georgia average?

The average annual cost of an Allstate home insurance policy in Georgia is $128 per month, less than the statewide average of $163 per month.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

Best for affordable rates: Auto-Owners Insurance

award icon

2024 Policygenius award winner

Auto-Owners Insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Auto-Owners Insurance is one of the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.

Pros and conschevron icon

Pros

  • Offers a slew of extra coverage add-ons

  • Lots of discounts available

  • Flood insurance available through the NFIP

Cons

  • Not able to get quotes or file claims online

More detailschevron icon

Why Auto-Owners Insurance is our pick for best for low premiums

Auto-Owners Insurance scores at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.

With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.

You can also take advantage of up to 12 Auto-Owners discounts to get your rates even lower. To put that into context, the average number of discounts the companies we reviewed offer is only 7.

How much does Auto-Owners home insurance cost in Georgia?

The national average cost of an Auto-Owners home insurance policy is $107 per month, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance cheaper than both the national and state averages. 

Best for policy add-ons: State Farm

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is the top overall home insurance company in Georgia thanks to its large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Save money when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is the best company for add-ons in Georgia

We like State Farm's robust coverage options, including extended replacement cost coverage, water backup protection, appliance coverage, inflation guard, and others.

State Farm is also known for its dependable customer service — from shopping and setting up your policy, to making changes to your coverage, to filing a claim.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the Georgia average?

The average cost of State Farm home insurance in Georgia is $208 per month, which is higher than the state average of $163 per year.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

Best for discounts: Farmers

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is one of the best home insurance companies in Georgia for combining high claims satisfaction scores with a range of coverage add-ons and discounts.

Pros and conschevron icon

Pros

  • Lots of discounts to save on rates

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Farmers also receives fewer complaints than average, according to the National Association of Insurance Commissioners.

You can add some impressive coverages to a basic Farmers home insurance policy, like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Depending on where you live, you could save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.

Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.

How do Farmers home insurance rates compare to the average in Georgia?

The average cost of Farmers home insurance in Georgia is $152 per month, which is slightly less than the average annual premium of $168 per month.

How to get a quote

Online through Farmers

Best for flood insurance add-ons: Travelers

Travelers

Travelers home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

New homebuyer discount

Mobile app

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Travelers offers some of the best homeowners insurance in Georgia despite higher-than-average rates thanks to industry-best financial ratings and flexible policy options for most home types.

Pros and conschevron icon

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

More detailschevron icon

Why we chose Travelers

Travelers is a reputable home insurance provider that offers comprehensive policy options. One of Travelers's benefits is its willingness to cover risks that other insurance companies won't. These risks include no prior insurance coverage, coverage for short term rentals, and liability protection for trampoline injuries if its fitted with protective netting.

How do Travelers home insurance rates compare to the Georgia state average?

The average cost of Travelers home insurance in Georgia is $200 per month, which is slightly more expensive than the state average monthly premium of $163.

How to get a quote

Online through Policygenius or Travelers

How much is homeowners insurance in Georgia?

The average cost of homeowners insurance in Georgia is $1,950 per year, or roughly $163 a month, for an insurance policy with $300,000 in dwelling coverage. This is higher than the national average of $1,754 per year.

Home insurance premiums in Georgia increased 22% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is due to a mix of rising inflation, labor shortages, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks. You can find all of the details in our 2023 Policygenius Home Insurance Pricing Report.

Georgia homeowners insurance rates by city

But home insurance costs in Georgia can vary widely depending on where you live. Cities along the Georgia coast like Savannah tend to see the highest rates in the Peach State, while cities further inland like Athens and Johns Creek tend to pay the highest rates.

Here’s a look at the average cost of home insurance in the 20 largest cities in Georgia.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Atlanta

$171

$2,049

5%

Columbus

$175

$2,103

8%

Savannah

$157

$1,887

-3%

Sandy Springs

$152

$1,822

-7%

Roswell

$145

$1,734

-11%

Johns Creek

$142

$1,700

-13%

Warner Robins

$162

$1,938

-1%

Alpharetta

$143

$1,720

-12%

Albany

$169

$2,025

4%

Marietta

$150

$1,800

-8%

Smyrna

$149

$1,782

-9%

Valdosta

$163

$1,955

0%

Dunwoody

$150

$1,801

-8%

Gainesville

$148

$1,776

-9%

Newnan

$158

$1,900

-3%

Milton

$142

$1,703

-13%

Peachtree City

$148

$1,774

-9%

East Point

$175

$2,097

8%

Douglasville

$154

$1,851

-5%

Rome

$164

$1,965

1%

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Georgia homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Georgia for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$930

$200,000

$1,447

$300,000

$1,950

$400,000

$2,502

$500,000

$3,094

Compare home insurance rates in Georgia

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Cheapest homeowners insurance companies in Georgia

The amount you pay for homeowners insurance primarily depends on your home's replacement cost and how much dwelling coverage it requires. You may also find that companies set rates differently depending on how much coverage is in your policy. For example, a company that offers cheapest home insurance rates for a home with a low dwelling coverage limit may charge relatively high premiums for a home with high dwelling coverage limits. That's why it's so important to compare quotes from multiple companies. Here's the average annual premium from 15 insurance companies in Georgia.

Company

Average annual cost

Cincinnati Insurance

$1,285

Auto-Owners Insurance

$1,289

Pure Insurance

$1,418

Progressive

$1,487

Allstate

$1,537

USAA

$1,664

Farmers

$1,820

Alfa Insurance

$1,982

Chubb

$2,013

Nationwide

$2,272

Farm Bureau Insurance

$2,336

Travelers

$2,396

Country Financial

$2,488

State Farm

$2,491

Praetorian Insurance

$2,800

Collapse table

Cheapest Georgia homeowners insurance if you have poor credit

Georgia allows insurance companies to use your credit rating to help set your rates. Homeowners with lower credit scores should expect to pay higher rates for their homeowners insurance.

Below are the homeowners insurance rates for Georgia residents with poor credit.

Company

Average annual cost

Cincinnati Insurance

$1,330

Progressive

$2,269

Pure Insurance

$2,367

Chubb

$2,760

Allstate

$2,767

USAA

$2,772

Praetorian Insurance

$2,862

Alfa Insurance

$2,985

Nationwide

$2,995

Country Financial

$3,117

Farmers

$3,521

Farm Bureau Insurance

$3,590

Travelers

$3,643

State Farm

$4,284

Auto-Owners Insurance

$13,185

Collapse table

Cheapest Georgia homeowners insurance if you have an older home

The age of your home is one of the factors that impacts your insurance rates. Here are the rates for older homes in Georgia by company.

Company

Average annual cost

Auto-Owners Insurance

$1,247

Cincinnati Insurance

$1,270

Progressive

$1,458

Allstate

$1,522

Pure Insurance

$1,605

USAA

$1,718

Alfa Insurance

$1,982

Chubb

$2,013

Farmers

$2,242

Farm Bureau Insurance

$2,255

Nationwide

$2,272

Travelers

$2,396

State Farm

$2,491

Country Financial

$2,784

Praetorian Insurance

$2,862

Collapse table

Cheapest Georgia homeowners insurance if you have a history of claims

Filing multiple claims can impact your homeowners insurance rates. Here are the average rates for homeowners who have filed multiple claims.

Company

Average annual cost

Auto-Owners Insurance

$1,289

Chubb

$2,013

USAA

$2,017

Alfa Insurance

$2,101

Pure Insurance

$2,498

Allstate

$2,678

State Farm

$2,833

Farm Bureau Insurance

$2,854

Cincinnati Insurance

$2,945

Farmers

$3,285

Progressive

$3,831

Praetorian Insurance

$4,431

Nationwide

$4,433

Travelers

$4,552

Country Financial

$4,732

Collapse table

How to buy homeowners insurance in Georgia

With so many options for homeowners insurance in Georgia, shopping for homeowners insurance can seem overwhelming, which is why we provided Georgia homeowners with the insights and expert advice they need for a more convenient and informed comparison.

6 tips for purchasing the best homeowners insurance in Georgia

  1. Reach out to a licensed Policygenius agent. Our agents can help you determine how much coverage you need and will help you compare quotes from different companies.

  2. Ask about your specific hazards or risks. With the threat of hurricanes and severe flooding in coastal Georgia, homeowners may want to consider additional flood insurance or extended dwelling protection.

  3. Consider purchasing insurance from the Georgia FAIR Plan. If you can't find homeowners insurance through a traditional company, look into last-resort coverage via FAIR plan — a type of high-risk home insurance available in most states.

  4. Calculate how high of a deductible you can afford. Choosing a high deductible will lower your insurance rate, but it also means you’ll have to pay more in the event of a claim. A Policygenius expert can help you determine which deductible works for you.

  5. Compare quotes from a Policygenius agent. Your agent will give you several quotes from different companies and help walk you through the pros and cons of each.

  6. Choose your policy, sign it, and pay your first premium. Policygenius will help you with all the paperwork, including switching from your previous insurance company.

Homeowners insurance in Georgia: 3 things to know

In addition to comparing quotes from different companies and determining the best policy for your needs, here are three additional considerations for Georgia homeowners.

You might need to purchase separate windstorm insurance

If you live along the Georgia coast or in another area prone to hurricanes, tropical storms, or tornadoes, your standard home insurance policy might exclude coverage from wind and hail. If this is the case, you'll need to either add a windstorm endorsement to your standard home insurance policy or purchase a separate windstorm insurance policy to ensure you're fully covered.

Along with this, your policy might have a separate wind/hail or hurricane deductible that's listed as a percentage of your dwelling coverage limit and applies specifically to hurricane-related wind and rain damage. It's up to your insurance company's discretion when this deductible is triggered rather than your standard home insurance deductible.

Wind mitigation discounts in Georgia

Many home insurance companies offer wind mitigation discounts if your home is outfitted with features to withstand high winds and flooding caused by a hurricane or strong windstorm. In Georgia, you can save between 5% and 10% on the wind portion of your home insurance policy by installing Fortified Roof and Fortified Home elements to your home.

→ Learn more about wind mitigation discounts & how to qualify

High-risk homeowners should consider the Georgia FAIR Plan

If you've struggled to find coverage from a standard home insurance company in Georgia due to being considered too high risk to insure, you might want to look into coverage through the Georgia Underwriting Association (GUA) — or Georgia's Fair Access to Insurance Requirements (FAIR) Plan.

The Georgia Underwriting Association specializes in providing insurance coverage to all Georgians — no matter if you've filed multiple claims, live in a high-risk area, or have other factors that make you risky to insure. Just keep in mind coverage through the GUA is typically more expensive and less comprehensive than if you bought a policy through a standard insurance company.

Our licensed insurance agents at Policygenius can help you explore your options and decide whether insurance through the GUA might be a good fit for your needs.

Consider flood insurance if you live near the coast

With Georgia no. 7 on our list of states with the most hurricanes, homeowners who live near the coast or in FEMA-designated high-risk flood zones should seriously consider purchasing separate flood insurance.

Remember that standard home insurance policies don't cover flooding due to natural disasters like hurricanes or tornadoes. To ensure you're fully protected, you'll need to buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurance company that offers flood coverage.

Compare home insurance rates in Georgia

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Frequently asked questions

What is the cheapest home insurance company in Georgia?

Auto-Owners Insurance has the cheapest rates for home insurance in Georgia — ringing in at $107 a month or $1,284 per year. However, several top-rated insurance companies including Allstate, USAA, and Farmers all come in under the Georgia average of $1,988 per year.

Why is home insurance in Georgia so expensive?

Georgia homeowners end up paying higher prices because of the greater threat of natural disasters. Instances of bad weather involving high winds and severe flooding are on the rise in Georgia, and insurance premiums are increasing alongside the increased risk. For that reason, homeowners along the coast and in major metropolitan areas should always expect higher rates.

Where can I get mobile home insurance in Georgia?

Many standard home insurance companies in Georgia also offer mobile home insurance. For example, Allstate, USAA, and Farmers — which all topped our list of best home insurance companies in Georgia — also offer coverage for mobile and manufactured homes.

Do I need hurricane insurance in Georgia?

There's no such thing as separate hurricane insurance — even in Georgia. However, if you live near the coast or in an area prone to hurricanes, tornadoes, or tropical storms, you might need to purchase a separate wind insurance policy or add a windstorm endorsement to your standard home insurance coverage.

What is the best home and auto insurance company in Georgia?

USAA, Farmers, and Auto-Owners insurance are all ideal for bundling your home and auto insurance policies together in Georgia, since they all offer a bundling discount to help you save on both rates.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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