From the big cities of Atlanta and Columbus to coastline properties to small rural communities, Georgia has many different areas and many different considerations for homeowners insurance. Whether your home is damaged in a windstorm or your personal belongings are stolen in a break-in, Georgia residents can count on homeowners insurance to protect them.
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The average cost of homeowners insurance in Georgia is $1,988 per year or $166 a month, slightly higher than the nationwide average of $1,899.
But there are other factors besides price you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Georgia.
Best homeowners insurance companies in Georgia
Of the insurance companies we evaluated, Auto-Owners Insurance has the lowest rates in Georgia, with an average annual premium of $1,289 — around $700 less per year than the average Georgia rate — while USAA has the highest customer satisfaction ratings.
But policy cost is just one factor you should consider when shopping for homeowners insurance. When finding the right policy, consider the quality of a company’s policy offerings, customer service ratings, and more.
Policygenius analyzed thousands of quotes from the 5 largest Georgia insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Georgia residents to find the best homeowners insurance in Georgia.
Company
Average yearly cost
J.D. Power Rating
State Farm
$2,495
835
Allstate
$1,537
829
USAA
$1,669
882
Travelers
$2,396
800
Auto-Owners Insurance
$1,289
831
State Farm
There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.
Pros
Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage
Get up to $1 million in personal liability coverage
Score discounts for bundling, installing security devices, and choosing a high deductible
File and track claims online, over the phone, in person, or through its mobile app
High customer satisfaction and financial strength ratings
Cons
No discounts for first-time homebuyers or going a year without a claim
Read our full State Farm home insurance review
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Why State Farm tops our best list
State Farm has exceptional ratings for customer service, demonstrated by its high J.D. Power rating. State Farm also offers a surplus of extra coverages for a variety of different homes in Georgia.
How to get a quote
Online through State Farm
Allstate
Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.
Pros
Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection
8+ discounts, including autopay, bundling, zero claims, and new homebuyer
Get up to 25% off your premiums when you bundle home and auto insurance
Excellent customer service and claims satisfaction ratings
File and track claims online or through its mobile app
Cons
Rates are typically high compared to competitors
Read our full Allstate home insurance review
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Why Allstate tops our best list
While rates may be somewhat higher than the competitors, Allstate still tops the best list because of its high customer service ratings and the ability to personalize your coverage to exactly what you need. Allstate has many opportunities for discounts that can apply to nearly every buyer. Coupling these potential discounts with the excellent J.D. Power rating makes Allstate an excellent home insurance option in Georgia.
How to get a quote
Online through Policygenius or Allstate
USAA
USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.
Pros
Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more
Base policy includes coverages that cost extra with most other companies
Offers earthquake coverage — which is hard to come by
Get discounted home security systems and a discount on premiums through its partnership with ADT
Industry-best customer service and claims satisfaction ratings
Cons
Only available to military families
Doesn’t offer extended or guaranteed replacement cost dwelling coverage
Why USAA tops our best list
USAA is a solid homeowners insurance option for military members and their families in Georgia. In addition to robust coverage and high customer satisfaction ratings, homeowners can get discounts for zero claims, e-billing, and more.
How to get a quote
Online through USAA
Travelers
With over 165 years of experience and impeccable financial ratings, Travelers is one of the most trusted home insurance companies in the business. It offers personalized coverage and a slew of policy add-ons to ensure you have exactly the right protection.
Pros
4 customizable policy packages with several available add-ons, like extended replacement cost and water backup coverage
Offers eco-friendly green home coverage and discounts
Protect expensive family heirlooms and appliances with equipment breakdown, guaranteed replacement cost, and personal articles coverage
File claims online — plus, Travelers has special catastrophe centers for claims after a natural disaster
Cons
Below-average customer service and claims satisfaction ratings
Read our full Travelers home insurance review here
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Why Travelers tops our best list
Travelers has excellent financial ratings, a trusted reputation, and a range of coverage packages to choose from. If the area is impacted by a natural disaster, Travelers mobile claim center will make the claims process easier for all who are involved. Travelers offers many different add-ons at different price points for Georgia residents with varying coverage and budget needs.
How to get a quote
Online through Policygenius or Travelers
Auto-Owners Insurance
Auto-Owners is the 12th largest home insurance provider in the U.S. thanks to its low rates, numerous discounts, and robust coverage options — including inland flood insurance.
Pros
Excellent coverage add-ons, including inland flood insurance, guaranteed replacement cost, and equipment breakdown coverage
Flood insurance covers belongings in your basement — a rare find
Save on premiums by bundling policies, paying off your mortgage, choosing a high deductible, having a backup generator, and more
Cons
Can't file claims online — you must call or visit an agent to get started
Why Auto-Owners Insurance tops our best list
One of the most attractive things about Auto-Owners Insurance is its inland flood insurance offering — a coverage that Georgia residents who live in one of the state's many floodplains will want to consider. There are also many ways to save on your premiums, including bundling policies, paying off your mortgage, having a backup generator, and more.
How to get a quote
Online through Auto-Owners Insurance
Cheapest homeowners insurance companies by city in Georgia
Georgia has diverse rural, suburban, and major metropolitan areas, and the average cost of homeowners insurance differs also happen to differ depending on where you live. Areas along the Georgia coast and other higher risk areas tend to see the highest rates in the Peach State
Auto-Owners Insurance is the cheapest homeowners insurance company in the vast majority of cities in Georgia. The average Georgia rate is below the state average in most cities.
City
Company
Average yearly cost
Abbeville
Auto-Owners Insurance
$1,167
Acworth
Auto-Owners Insurance
$1,207
Adairsville
Auto-Owners Insurance
$1,214
Adel
ASI Progressive
$1,282
Adrian
Auto-Owners Insurance
$1,200
Ailey
Auto-Owners Insurance
$1,212
Alamo
Auto-Owners Insurance
$1,167
Alapaha
Auto-Owners Insurance
$1,241
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Shopping for homeowners insurance in Georgia
Shopping for homeowners insurance is more multifaceted than most people realize. When comparing policy options, make sure the coverage amounts in your quotes reflect your specific homeownership needs — this will ensure a more accurate comparison.
In this section, we break down the average annual homeowners insurance rates in Georgia for different coverage needs and deductible levels, as well as the cheapest and most expensive companies in the state for dog owners, pool owners, and homeowners with poor credit scores.
Georgia home insurance costs by coverage amounts
Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire or storm damage. Your dwelling coverage should be equal to the cost to replace your home – not its market value.
The average yearly cost for your insurance premiums increases approximately $500 for each $100,000 of dwelling coverage, so finding the right amount is important.
Dwelling coverage amount
Average yearly cost
$100,000
$949
$200,000
$1,474
$300,000
$1,988
$400,000
$2,549
$500,000
$3,153
Liability coverage is the section of your policy that covers legal, medical, and repair bills if someone is injured or their property is damaged and you are legally responsible. This covers instances such as dog bites, injuries in a pool or on a trampoline, or if a visitor falls down your stairs.
The difference between coverage levels is minimal in Georgia, so it’s worth taking out more coverage to protect yourself in case anything happens on your property.
Liability coverage amount
Average yearly cost
$100,000
$2,027
$200,000
$2,034
$300,000
$1,988
$400,000
$2,283
$500,000
$1,994
Georgia home insurance costs by deductible amount
Your deductible is the amount that you will need to pay toward a loss when you file a claim. If you file a claim for $5,000 and you have a $1,000 deductible, your insurer would pay out $4,000 toward the loss.
A higher deductible means lower premiums, but there is a risk in taking a high deductible policy, especially if you are in a region of Georgia that experiences frequent storms or property crime.
Deductible amount
Average yearly cost
$500
$2,274
$1,000
$1,988
$2,000
$1,724
Home insurance discounts in Georgia
Your insurance company will give a discount when you add safety features, such as smoke alarms, security systems, and deadbolts, since these features reduce your chances of filing a claim. However, discounts for homes with deadbolts or local smoke alarms are relatively low, since these devices can only do so much to prevent a loss. Georgia residents with burglar alarms enjoy slightly bigger discounts.
Discount
Average yearly cost
Dead bolt
$1,983
Smoke alarm
$1,981
Burglar alarm
$1,903
Home insurance companies in Georgia for dog owners
Because certain breeds of dogs are responsible for most dog bite claims, insurance companies often charge higher rates if you have what they consider to be an “aggressive breed.”
Looking at the 5 largest insurance companies in Georgia, we analyzed each company’s average annual rate for a home with an aggressive dog breed. Auto-Owners is the cheapest for insuring a home with these breeds at an annual average rate of $1,289, while State Farm is the most expensive.
Company
Average yearly cost
Auto-Owners Insurance
$1,289
Allstate
$1,537
USAA
$1,669
Travelers
$2,396
State Farm
$2,495
Home insurance companies in Georgia for poor credit
You’ll also need to consider your credit score when you shop for homeowners insurance in Georgia. In general, the lower your credit score, the higher your insurance premiums will be, and vice versa.
Insurance companies consider homeowners with poor credit to be more likely to file a claim. Your credit score’s impact on your final premium will vary among insurance companies, and as it improves, some insurers may automatically adjust your rate.
If you have poor credit, the Allstate is the cheapest alternative with average premiums of $2,767 per year, while Auto-Owners comes in significantly higher at $13,185 per year.
Company
Average yearly cost
Allstate
$2,767
USAA
$2,772
Travelers
$3,643
State Farm
$4,284
Auto-Owners Insurance
$13,185
Home insurance companies in Georgia for pool owners
If you own a pool, your insurance company may also consider you to be more risky to insure. A pool will impact both your liability coverage, since the risk of injury is high, and your dwelling coverage, since the structure of your pool will factor into your coverage limits.
Auto-Owners Insurance has the lowest rate for pool owners at $1,289, while State Farm comes in the highest at an average of $2,495 per year.
Company
Average yearly cost
Auto-Owners Insurance
$1,289
Allstate
$1,569
USAA
$1,669
Travelers
$2,396
State Farm
$2,495
How to buy homeowners insurance in Georgia
With so many options for homeowners insurance in Georgia, and such a difference in the various regions, shopping for homeowners insurance can be overwhelming. It’s important to compare policies from multiple companies to ensure you are getting the best coverage at the best price for your home. Here are the steps to take to help you find the right company.
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.
Ask about the specific concerns you have. With weather concerns in Georgia, particularly along the coast, you will likely want to consider adding flood insurance to your coverage plan.
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.
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.
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.
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.
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Frequently asked questions
What is the cheapest home insurance company in Georgia?
The Cincinnati Insurance Company has the cheapest rates for homeowners insurance in Georgia. However, several top rated insurance companies such as Allstate, Auto-Owners Insurance, and USAA all come in under the Georgia average of $1,988.
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. Homeowners along the coastline and in major metropolitan areas should always expect higher rates.
What if I have a pool on my property?
Having a pool on your property can increase your insurance premiums. A pool is a liability risk, since accidents on your property are more likely to occur in or around a pool, and it also increases your dwelling coverage limit, given that it's another feature of your home that may need repair or replacement. If you have a pool, Auto-Owners, Allstate, and USAA are among the companies that still come in under the average premium of $1,988.
Can my rates be impacted by the breed of dog I own?
If you own what is considered to be an “aggressive” dog breed, your insurance company can increase your rates and even deny your coverage. Unfortunately, Georgia is not one of the states with legislation being proposed to prohibit insurance companies from discriminating on the breed of dog you own. If you own certain breeds of dog, your rates will likely reflect this.
Methodology
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., 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.
