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.
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.
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." [1]
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 home insurance companies in Georgia can give you a starting off point for finding affordable coverage where you live.
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.
Best overall for most Georgians: Allstate
Best for cheap rates in Georgia: Auto-Owners Insurance
$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.
Best for Georgia military families: USAA
$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
Best for discount options in Georgia: Farmers
$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
Best for high-value Georgia homes: Chubb
$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
Read our full Chubb homeowners insurance review
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.
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% |
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 |
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.
Company | Average annual rate | % difference from base rate |
Cincinnati | $1,330 | 4% |
ASI | $2,269 | 53% |
Pure Insurance | $2,367 | 56% |
Chubb | $2,760 | 37% |
Allstate | $2,767 | 80% |
USAA | $2,772 | 66% |
Praetorian Insurance | $2,862 | 1% |
Alfa Insurance | $2,985 | 51% |
Nationwide | $2,995 | 32% |
Country Financial | $3,117 | 25% |
Farmers | $3,521 | 92% |
Georgia Farm Bureau Insurance | $3,590 | 52% |
Travelers | $3,643 | 52% |
State Farm | $4,284 | 72% |
Auto-Owners Insurance | $13,185 | 923% |
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.
Company | Average annual rate | % difference from base rate |
Alfa Insurance | $1,982 | 0% |
Chubb | $2,013 | 0% |
Nationwide | $2,272 | 0% |
Travelers | $2,396 | 0% |
State Farm | $2,493 | 0% |
Country Financial | $2,784 | 0% |
Praetorian Insurance | $2,862 | 0% |
Cincinnati | $1,311 | 2% |
Pure Insurance | $1,605 | 4% |
Allstate | $1,690 | 10% |
Farmers | $2,493 | 16% |
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.
Company | Average annual rate | % difference from base rate |
Auto-Owners Insurance | $1,251 | 13% |
Pure Insurance | $1,537 | 12% |
Allstate | $1,589 | 11% |
USAA | $1,648 | 5% |
Nationwide | $2,272 | 4% |
Country Financial | $2,784 | 23% |
Praetorian Insurance | $2,862 | 6% |
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.
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.
