Atlanta residents have to be ready for a variety of weather conditions that can cause significant loss or damage, like severe storms and flooding. Fortunately for Atlanta property owners, its homeowners insurance rates are right around the national average.
The average cost of homeowners insurance in Atlanta is $1,831 per year, slightly higher than the Georgia state average of $1,668.
Compare the best cheap homeowners insurance companies in Atlanta
To find the best cheap homeowners insurance in Atlanta, Policygenius rated over a dozen of the largest insurance companies in Georgia across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.
Company | Average monthly cost | Policygenius rating |
|---|---|---|
$118 | 5.0 out of 5 | |
$188 | 4.8 out of 5 | |
$148 | 4.5 out of 5 | |
$122 | 4.4 out of 5 | |
$215 | 4.4 out of 5 |
2023 Policygenius award winner
Auto-Owners Insurance
5.0
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Why we chose it
Auto-Owners Insurance is one of the highest rated homeowners insurance company in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.
Pros and cons
Pros
Offers a slew of extra coverage add-ons
Lots of discounts available
Flood insurance available through the NFIP
Cons
Not able to get quotes or file claims online
More details
Why Auto-Owners Insurance is our pick for best for low premiums
Auto-Owners Insurance scores at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.
With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.
You can also take advantage of up to 12 Auto-Owners discounts to get your rates even lower. To put that into context, the average number of discounts the companies we reviewed offer is only 7.
How much does Auto-Owners home insurance cost in Atlanta?
The average cost of an Auto-Owners home insurance policy in Atlanta is $118 per month, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance cheaper than both the national and state averages.
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the top overall home insurance company in Georgia thanks to its large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Save money when you bundle your home and auto insurance
Excellent line-up of policy add-ons, including extended replacement cost coverage
Cons
20% more complaints filed with the NAIC than other companies of its size
More details
Why State Farm is the best company for add-ons in Georgia
We like State Farm's robust coverage options, including extended replacement cost coverage, water backup protection, appliance coverage, inflation guard, and others.
State Farm is also known for its dependable customer service — from shopping and setting up your policy, to making changes to your coverage, to filing a claim.
Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.
How do State Farm home insurance rates compare to the Atlanta average?
The average cost of State Farm home insurance in Atlanta is $188 per month, which is higher than the state average of $163 per year.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is one of the best home insurance companies in Georgia for combining high claims satisfaction scores with a range of coverage add-ons and discounts.
Pros and cons
Pros
Lots of discounts to save on rates
Extended and guaranteed replacement cost for your home
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Farmers also receives fewer complaints than average, according to the National Association of Insurance Commissioners.
You can add some impressive coverages to a basic Farmers home insurance policy, like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Depending on where you live, you could save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.
Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.
How do Farmers home insurance rates compare to the average in Atlanta?
The average cost of Farmers home insurance in Atlanta is $148 per month, which is slightly less than the average premium in the state.
How to get a quote
Online through Farmers
Allstate
4.4
Bundle home & auto
Smart home discounts
Why we chose it
Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a standout option. Airbnb hosts may benefit from Allstate coverage thanks HostAdvantage — its affordable short-term rental coverage that can be added to any policy.
Pros and cons
Pros
High-quality and flexible policy options
Numerous discounts and features that help you save
Below-average customer complaints
Cons
Below-average digital experience rating with J.D. Power
More details
Why we chose Allstate
Allstate is a great all-around company for its robust coverage options, strong financial strength, and its often affordable coverage.
In Georgia, we found that Allstate may not be the cheapest homeowners insurance coverage, but its lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options make it the top choice for homeowners in Georgia. The company also offers a few discounts that will be easy for many people to qualify for, including discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires.
How do Allstate home insurance rates compare to the Atlanta average?
The average cost of an Allstate home insurance policy in Atlanta is $122 per month, less than the statewide average of $163 per month.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
Travelers
4.4
Bundle home & auto
New homebuyer discount
Mobile app
Offers extended replacement cost
Offers flood insurance
Why we chose it
Travelers offers some of the best homeowners insurance in Georgia despite higher-than-average rates thanks to industry-best financial ratings and flexible policy options for most home types.
Pros and cons
Pros
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Cons
Subpar customer service ratings with J.D. Power
Underwhelming number of available discounts
More details
Why we chose Travelers
Travelers is a reputable home insurance provider that offers comprehensive policy options. One of Travelers's benefits is its willingness to cover risks that other insurance companies won't. These risks include no prior insurance coverage, coverage for short term rentals, and liability protection for trampoline injuries if its fitted with protective netting.
How do Travelers home insurance rates compare to the Atlanta average?
The average cost of Travelers home insurance in Atlanta is $215 per month, which is slightly more expensive than the state average monthly premium of $163.
How to get a quote
Online through Policygenius or Travelers
Methodology & why you can trust our rates
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.
How much is homeowners insurance in Atlanta?
The average cost of home insurance in Atlanta is $2,049 per year, or $171 a month, for a policy with $300,000 in dwelling coverage. This is around 5% higher than the average annual cost of $1,950 for homeowners insurance in Georgia, and about 17% higher than the national average.
Atlanta home insurance rates by ZIP code
To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Atlanta.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
30349 | $2,172 | 11% |
30331 | $2,175 | 12% |
30318 | $2,126 | 9% |
30315 | $2,199 | 13% |
30316 | $2,026 | 4% |
30311 | $2,243 | 15% |
30341 | $1,827 | -6% |
30340 | $1,843 | -5% |
30324 | $1,830 | -6% |
30309 | $2,033 | 4% |
Cheapest ZIP codes for home insurance in Atlanta
With an average home insurance rate of $1,827 per year, the 30341 ZIP code is the most affordable area for home insurance in Atlanta.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
30341 | $1,827 | -6% |
30324 | $1,830 | -6% |
30340 | $1,843 | -5% |
30326 | $1,855 | -5% |
30345 | $1,866 | -4% |
30306 | $1,868 | -4% |
30307 | $1,870 | -4% |
30327 | $1,913 | -2% |
30305 | $1,943 | 0% |
30363 | $1,991 | 2% |
Most expensive areas for homeowners insurance in Atlanta
With an average annual premium of $2,243, the 30311 ZIP code is the most expensive ZIP code in Atlanta for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
30311 | $2,243 | 15% |
30310 | $2,203 | 13% |
30315 | $2,199 | 13% |
30314 | $2,192 | 12% |
30304 | $2,182 | 12% |
30331 | $2,175 | 12% |
30349 | $2,172 | 11% |
30303 | $2,170 | 11% |
30354 | $2,166 | 11% |
30336 | $2,142 | 10% |
Learn more >> Home insurance rates by ZIP code
Atlanta home insurance costs by coverage amount
Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster. Here are the average rates for homeowners insurance by coverage amount.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $981 |
$200,000 | $1,520 |
$300,000 | $2,049 |
$400,000 | $2,630 |
$500,000 | $3,252 |
Atlanta home insurance costs by deductible amount
Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim.
Here are the average rates for home insurance by deductible amount.
Deductible | Average annual cost |
|---|---|
$500 | $2,458 |
$1,000 | $1,987 |
$2,000 | $1,419 |
Cheapest homeowners insurance companies in Atlanta
Based on our analysis, Cincinnati Insurance, Auto-Owners Insurance, and Allstate are the three cheapest home insurance companies in Atlanta, with average premiums citywide ranging from $1,375 to $1,466 per year.
Company | Average annual cost |
|---|---|
$1,375 | |
$1,419 | |
$1,466 | |
$1,693 | |
$1,706 | |
$1,771 | |
$1,834 | |
$1,929 | |
$2,260 | |
$2,373 | |
$2,375 | |
$2,390 | |
Praetorian Insurance | $2,553 |
$2,575 | |
$3,020 |
Cheapest home insurance in Atlanta if you have poor credit
A bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher. Here are the average insurance rates for homeowners with poor credit.
Company | Average annual cost |
|---|---|
Cincinnati Insurance | $1,424 |
Allstate | $2,509 |
Praetorian Insurance | $2,553 |
Chubb | $2,576 |
Pure Insurance | $2,636 |
Farmers | $2,849 |
USAA | $2,985 |
Nationwide | $3,151 |
Alfa Insurance | $3,577 |
Farm Bureau Insurance | $3,691 |
Country Financial | $3,785 |
State Farm | $3,881 |
Travelers | $4,243 |
Auto-Owners Insurance | $15,177 |
Cheapest home insurance in Atlanta if you have an older home
Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.
Here are the average insurance rates for residents with older homes.
Company | Average annual cost |
|---|---|
Cincinnati Insurance | $1,358 |
Auto-Owners Insurance | $1,360 |
Allstate | $1,421 |
USAA | $1,751 |
Pure Insurance | $1,789 |
Farmers | $1,829 |
Chubb | $1,834 |
State Farm | $2,263 |
Farm Bureau Insurance | $2,293 |
Alfa Insurance | $2,375 |
Nationwide | $2,390 |
Praetorian Insurance | $2,553 |
Travelers | $2,575 |
Country Financial | $3,537 |
Cheapest homeowners insurance in Atlanta if you have a history of claims
Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result. Here are the average insurance rates for homeowners with multiple claims.
Company | Average annual cost |
|---|---|
Auto-Owners Insurance | $1,419 |
Chubb | $1,834 |
USAA | $2,082 |
Allstate | $2,406 |
Alfa Insurance | $2,518 |
State Farm | $2,577 |
Farmers | $2,696 |
Pure Insurance | $2,783 |
Farm Bureau Insurance | $2,920 |
Cincinnati Insurance | $3,157 |
Praetorian Insurance | $3,952 |
Nationwide | $4,665 |
Travelers | $5,304 |
Country Financial | $6,011 |
How to get homeowners insurance quotes in Atlanta
Here are a few steps to follow when shopping for and purchasing home insurance in Atlanta.
Contact a licensed Policygenius agent. Our team of licensed insurance experts are ready to help you find the right coverage for your needs and budget.
Consider purchasing flood insurance. Standard insurance policies don't often include flood insurance, it's a good idea to include it as an add-on coverage. Atlanta residents are at a higher risk for flood damage.
Figure out your deductible. Your deductible should fit your budget and your area. If you live in an area of high flood risk, you might need to make multiple claims in one year. You'll want to figure out how much you can afford out of pocket at each claim.
Compare quotes from a Policygenius agent. Once you’ve determined your coverage needs, amounts, and deductible amount, a Policygenius agent will present quotes from different companies to help you find the best policy for your home and your budget.
Sign your policy, and pay your first premium. After you've selected the right policy for you, your Policygenius agent will help you complete and file the right paperwork. Then you'll just need to sign your policy and pay your first premium.
Frequently asked questions
What factors affect my homeowners insurance rates and coverage?
There are a lot of factors insurance providers consider when offering a home insurance policy. Not only will they look at the value and location of your home, but they will also consider personal factors as well. Things like the breed of dog you have or your credit score can negatively impact your home insurance rates.
How can I lower my homeowners insurance in Atlanta?
Discounts and bundle options are one of the best ways to lower your home insurance rates. Many insurance providers offer a slew of discounts for qualified homeowners. You can also select a higher deductible if your home faces relatively minimal risk and its set to an amount that you can afford in the event of a claim.
Is it mandatory to have homeowners insurance in Atlanta?
There is no law requiring homeowners insurance in Atlanta, but it is a requirement for most mortgage lenders. Home insurance policies protect both you and your mortgage company's investment into your home, so they'll want to ensure your home is fully insured.
