Best homeowners insurance in Georgia for 2022

Meredith Napolitano

By 

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Updated May 1, 2022

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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

State Farm logo

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

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 logo

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

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 logo

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

Travelers logo

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

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 Insurance logo

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.

  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 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.

  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.

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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.