Best homeowners insurance in Georgia for 2022

Pat Howard 1600

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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By

Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

Ian 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.

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Georgia homeowners pay an average of $166 a month or $1,963 per year for a homeowners insurance policy with $300,000 in dwelling coverage, according to a Policygenius analysis of 2022 premiums. This means Georgia homeowners insurance rates are right around the national average of $1,899 per year.

Comparing 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.

Hot tip: Click on each company name in the table to jump down to why they made our best list.

Company

Best for...

Monthly rate

Policygenius rating

Allstate

Most people

$128

4.0 out of 5

Auto-Owners Insurance

Cheap rates

$107

4.2 out of 5

USAA

Military families

$139

4.1 out of 5

Farmers

Discount options

$153

3.9 out of 5

Chubb

High-value homes

$253

3.4 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 for most Georgians: Allstate

Allstate

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Allstate logo

$1,537/year

$128/month

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 additional coverage & policy options

  • 8 available discounts

  • Excellent customer service and claims satisfaction ratings

Cons

  • Scored below average in J.D. Power's digital experience study

Why Allstate tops our best list

Allstate’s robust policy options and stellar customer service and financial strength ratings make it the best overall option for Georgia homeowners. With a plethora of policy options at different price points, customers choose between a basic policy and add optional coverage add-ons a la carte; or enhanced the enhanced coverage policy with everything included. Allstate also offers relatively affordable rates in Georgia — its $1,537 average annual premium was the fifth cheapest out of the 15 companies in our analysis.

Read our full Allstate home insurance review

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Best for cheap rates in Georgia: Auto-Owners Insurance

Auto-Owners Insurance

4.2

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Auto-Owners Insurance logo

$1,289/year

$107/month

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

  • One of the cheapest home insurance options in Georgia

  • Comprehensive and unique coverage add-ons

  • 12 available discounts

Cons

  • Can't file claims online — you must call or visit an agent to get started

Why Auto-Owners tops our best list

Not only does Auto-Owners Insurance offer some of the most affordable home insurance rates of any Georgia company in our analysis, it also offers some of the best coverage options, policy perks, and numerous discount options to help maximize savings. Plus, Georgia homeowners can save even more with Auto-Owners Insurance by bundling home and auto insurance, completely paying off a mortgage, choosing a high deductible, having a backup generator, and more.

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Best for Georgia military families: USAA

USAA

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

$1,669/year

$139/month

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

  • Several discounts and perks for members of the armed forces

  • Comprehensive base policy

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended dwelling coverage options

Why USAA tops our best list

With lots of discounts available for members, USAA is a great choice for Georgia military families looking to save money on insurance. It offers discounts for bundling policies, membership loyalty, good payment history, and more. Plus, you'll enjoy higher-than-average personal property coverage limits, providing you peace of mind knowing your belongings are fully covered. 

Read our full USAA home insurance review

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Best for discount options in Georgia: Farmers

Farmers

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Farmers logo

$1,831/year

$153/month

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness

  • 3 comprehensive home insurance policy tiers

  • Offers extended and guaranteed replacement cost coverage

Cons

  • Lower-than-average J.D. Power scores for customer satisfaction and digital experience

Why Farmers tops our best list

While its average rate is higher than comparable companies in our analysis, Farmers offers plenty of ways for you to save. With up to 13 available discounts, including discounts for bundling, storm-resistant roofing, and protective devices — as well as policy perks like declining deductibles and claim forgiveness — no company is better at putting money back in your pocket than Farmers.

Read our full Farmers home insurance review

Get quotes

Best for high-value Georgia homes: Chubb

Chubb

3.4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Chubb logo

$2,788/year

$232/month

Chubb is a top-tier insurer ideal for high-value homes that need more robust coverage that goes beyond the run-of-the-mill options offered by traditional insurance companies.

Pros

  • Base policies include extended replacement cost coverage for your home

  • No deductible on losses greater than $50,000

  • Cash-out claim settlement options after a loss

Cons

  • Will typically only insure high-value homes

What is the average cost of homeowners insurance in Georgia?

The average cost of homeowners insurance in Georgia is $1,963 per year, or roughly $166 a month, for an insurance policy with $300,000 in dwelling coverage. This is around 3% higher than the national average of $1,899 per year. 

Home

UPDATE: Home insurance premiums up 13.5% in Georgia

Home insurance premiums in Georgia increased 13.5% from May 2021 to May 2022, 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 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.

City

Average monthly rate

Average annual rate

% difference from state average

Albany

$169

$2,025

3%

Athens

$142

$1,709

-13%

Atlanta

$171

$2,051

4%

Augusta

$167

$2,007

2%

Columbus

$175

$2,103

7%

Johns Creek

$142

$1,700

-13%

Roswell

$145

$1,734

-12%

Sandy Springs

$152

$1,822

-7%

Savannah

$171

$2,051

4%

Warner Robins

$162

$1,938

-1%

Home

Find home insurance in your city

Georgia homeowners insurance rates by company

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 home insurance providers in Colorado for four different dwelling coverage levels.

Company

$200,000 dwelling coverage

$300,000 dwelling coverage

$400,000 dwelling coverage

$500,000 dwelling coverage

Alfa Insurance

$1,391

$1,982

$2,622

$3,280

Allstate

$1,236

$1,537

$1,924

$2,369

ASI Progressive

$1,105

$1,487

$1,946

$2,401

Auto-Owners Insurance

$1,032

$1,289

$1,584

$1,856

Chubb

$1,429

$2,013

$2,562

$3,036

Cincinnati

$899

$1,285

$1,684

$2,075

Country Financial

$1,928

$2,488

$3,144

$3,816

Farmers

$1,592

$1,831

$2,795

$3,503

Georgia Farm Bureau Insurance

$1,824

$2,361

$2,959

$3,524

Nationwide

$1,624

$2,272

$2,962

$4,224

Praetorian Insurance

$2,015

$2,831

$3,684

$4,506

Pure Insurance

$1,115

$1,520

$1,960

$2,381

State Farm

$1,918

$2,495

$3,061

$3,786

Travelers

$1,747

$2,396

$3,287

$4,098

USAA

$1,249

$1,669

$2,060

$2,442

Compare home insurance rates in Georgia

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Cheapest homeowners insurance in Georgia for high-risk homes

If you're a homeowner in Georgia with a "high-risk" coverage considerations — like a house that's 100+ years old or a low credit score — insurance companies may charge you higher premiums or deny you coverage. However, some companies have less strict standards than others when it comes to insuring high-risk homes and, as a result, may offer lower rates or better coverage.

Click on each section below to find out which Georgia companies offer the cheapest high-risk homeowners insurance for a homeowner with poor credit, an older home, and a roof that's 20+ years old.

Average homeowners insurance cost in Georgia by risk scenario

Cheapest home insurance in Georgia for homeowners with poor credit

In some cases, insurance companies will take your credit score into account when determining your premium.

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.

Here's the average home insurance premium in Georgia from various companies for a homeowner with poor credit, and how it compares to each company's base rate. Cincinnati Insurance appears to place little weight on credit scores when determining rates, while Auto-Owners Insurance emphasizes this factor the most.

CompanyAverage annual rate% difference from base rate
Cincinnati$1,3304%
ASI$2,26953%
Pure Insurance$2,36756%
Chubb$2,76037%
Allstate$2,76780%
USAA$2,77266%
Praetorian Insurance$2,8621%
Alfa Insurance$2,98551%
Nationwide$2,99532%
Country Financial$3,11725%
Farmers$3,52192%
Georgia Farm Bureau Insurance$3,59052%
Travelers$3,64352%
State Farm$4,28472%
Auto-Owners Insurance$13,185923%
Cheapest home insurance in Georgia for older homes

Older and historic homes are usually more expensive to insure than newer homes. This is because insurers consider them a higher risk than newer homes since they generally more prone to loss, they're constructed with obsolete (and more expensive) materials, and certain structural components like the roof or plumbing systems may not be up to code.

Here's the average home insurance premium from 11 Georgia insurers for a home that's over 100 years old, and how it compares to each company's base rate.

CompanyAverage annual rate% difference from base rate
Alfa Insurance$1,9820%
Chubb$2,0130%
Nationwide$2,2720%
Travelers$2,3960%
State Farm$2,4930%
Country Financial$2,7840%
Praetorian Insurance$2,8620%
Cincinnati$1,3112%
Pure Insurance$1,6054%
Allstate$1,69010%
Farmers$2,49316%
Cheapest home insurance in Georgia for a house with a 20+ year old roof

Insurance companies place a lot of importance on your roof's condition when determining your insurance premiums. In general, the older your roof, the more likely you are to file a claim and the higher your home insurance rates will be.

Below are the average annual premiums from 7 Georgia companies for a home with a 20-year-old roof, and how it compares to each company's base rate.

CompanyAverage annual rate% difference from base rate
Auto-Owners Insurance$1,25113%
Pure Insurance$1,53712%
Allstate$1,58911%
USAA$1,6485%
Nationwide$2,2724%
Country Financial$2,78423%
Praetorian Insurance$2,8626%

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.

5 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

We don't sell your information to third parties.

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

Managing Editor & Licensed Home Insurance Expert

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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