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.
4.0 out of 5
4.2 out of 5
4.1 out of 5
3.9 out of 5
3.4 out of 5
Best overall for most Georgians: Allstate
Best for cheap rates in Georgia: Auto-Owners Insurance
Best for Georgia military families: USAA
Best for discount options in Georgia: Farmers
Best for high-value Georgia homes: Chubb
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.
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.
Average monthly rate
Average annual rate
% difference from state average
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.
$200,000 dwelling coverage
$300,000 dwelling coverage
$400,000 dwelling coverage
$500,000 dwelling coverage
Georgia Farm Bureau Insurance
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.
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.
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.
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.