Best homeowners insurance in Savannah, GA for 2022

We looked at average costs, coverages available, and customer satisfaction ratings to find the best homeowners insurance companies in Savannah.

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about oureditorial review process.

By

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Financial Advisor

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|7 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

While known for its warm, sunny climate, Savannah is a coastal city that experiences rough weather conditions during tropical storm season. Given the high risk of coastal windstorm damage, Savannah residents should make sure they have a comprehensive homeowners insurance policy. Those who live right along the coast are at especially high risk for flooding, which makes additional flood insurance an important part of protecting your home.

Ready to shop home insurance?

Start calculator

Best homeowners insurance companies in Savannah

Of the companies we evaluated, we found Allstate has the lowest rates in Savannah, with an average policy cost of $779 per year. That’s 65% less than the citywide average. Average annual rates for Auto-Owners Insurance and State Farm are also less than the city average.

Looking at the largest companies in Savannah by market share, Policygenius analyzed the latest rate data from Quadrant Information Services. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Savannah residents to find the best homeowners insurance in Savannah. 

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,875

835

Allstate

$779

829

USAA

$2,465

882

Travelers

$2,549

800

Auto-Owners Insurance

$1,130

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

Customer satisfaction ratings for State Farm are consistently high, which means people are generally pleased with the coverage, policy cost, and customer service they receive with State Farm. One thing in particular that stands out is State Farm’s mobile app, which allows you to manage your policy, pay bills, and file claims all in one place. 

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

Allstate homeowners insurance is affordable and highly rated, so it comes as little surprise that this is one of the most popular insurers in Savannah. If you’re looking for personalized coverage that suits your specific needs, discounts galore, and hassle-free online claim tracking and digital tools, look no further than Allstate.

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

Of the best home insurance companies in Savannah, the highest J.D. Power rating belongs to USAA, which received a score of 882 out of 1,000.  In addition to these high marks, USAA also has cheap rates and numerous rate-saving opportunities, including discounts for being a loyal customer, choosing eco-friendly billing, and for going a certain number of years without filing a claim. 

Note that USAA is only an option for members of the military and their families.

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

As one of the oldest major insurance providers in the game, Travelers is a trusted company with great financial stability. While its an older company, Travelers hasn’t had an issue adapting to the needs of the modern customer, offering discounts for eco-friendly homes and providing special smart home discounts for the tech-oriented homeowner.

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

Auto-Owners Insurance offers good flexibility for customizing your insurance coverage. You can add flood insurance to your policy that covers belongings in your basement (a rarity), and you also have the option of guaranteed replacement cost coverage. Auto-Owners also offers several ways to save, including a discount if you install a generator.

How to get a quote

Online through Auto-Owners Insurance

Ready to shop home insurance?

Start calculator

Cheapest homeowners insurance companies by ZIP code in Savannah

The average cost for a home insurance policy in Savannah is $2,210, but your own home insurance rates will depend on your insurance company and exactly where you live within the city. 

With an average annual rate of $779 in each of the 10 Savannah ZIP codes in this analysis, Allstate is the cheapest homeowners insurance company in Savannah. 

ZIP code

Company

Average yearly cost

31401

Allstate

$779

31404

Allstate

$779

31405

Allstate

$779

31406

Allstate

$779

31407

Allstate

$779

31409

Allstate

$779

31415

Allstate

$779

31419

Allstate

$779

31421

Allstate

$779

The most affordable areas for homeowners insurance in Savannah

The most affordable areas for home insurance are the 31407, 31421, 31401, 31406, and 31415 ZIP codes of Savannah. Those living in the 31407 ZIP code (Port Wentworth) pay an average of $2,115 per year — the cheapest average rate in Savannah. 

One thing these ZIPs all have in common? They’re further from the coast than some of the more expensive areas for home insurance. 

ZIP code

Average yearly cost

31407

$2,115

31421

$2,177

31401

$2,189

31406

$2,192

31415

$2,222

The most expensive areas for homeowners insurance in Savannah

The most expensive areas for home insurance in Savannah are the 31419, 31404, 31405, and 31409 ZIP codes. A few of these ZIPs border the Atlantic Coast, making homes susceptible to heavy winds and inclement weather. 

ZIP code

Average yearly cost

31409

$2,301

31405

$2,241

31404

$2,232

31419

$2,226

31415

$2,222

Shopping for homeowners insurance in Savannah

There’s a lot of factors that you’ll need to consider when shopping for homeowners insurance in Savannah. For one, you’ll want to make sure that your coverage limits reflect your individual needs. Opting for more dwelling coverage may cost more, but it’s worth considering as an added safety net for your home. 

In this section, we break down the average annual policy cost in Savannah for several different coverage and deductible levels. We also looked at the cheapest and most expensive home insurance companies for certain high risk features, including homes with pools, and policyholders with poor credit or aggressive dog breeds. 

Savannah home insurance costs by coverage amounts

Dwelling coverage is the part of your homeowners insurance that covers the physical structure of your home. It should be enough to cover your home’s replacement cost, which is the amount it would cost to completely rebuild your house from scratch.

As the table below shows, more dwelling coverage equals higher home insurance rates.

Dwelling coverage amount

Average yearly cost

$100,000

$1,040

$200,000

$1,620

$300,000

$2,210

$400,000

$2,850

$500,000

$3,502

Personal liability coverage pays for legal fees or medical bills if someone is hurt or their property is damaged and you’re determined to be responsible. You should have enough liability coverage to cover the value of your assets — from your house to your cars to your future income.

More personal liability coverage generally means higher home insurance rates. But the impact is often minimal compared to other factors, which may explain why this correlation isn’t necessarily the case in Savannah.

Liability coverage amount

Average yearly cost

$100,000

$2,047

$200,000

$1,798

$300,000

$2,210

$400,000

$2,556

$500,000

$2,219

Savannah home insurance costs by deductible amount

Your deductible is the amount you pay every time you file a claim. Choosing a higher deductible will generally lower your insurance premium. Just make sure you don’t pick a deductible that you’re not able to afford in the event of a claim. 

Deductible amount

Average yearly cost

$500

$2,595

$1,000

$2,210

$2,000

$1,543

Home insurance discounts in Savannah

You may be eligible for discounts if your home is fitted with protective features like fire alarms or security systems, as these reduce the likelihood of a claim. Even having a deadbolt lock on your doors can help reduce your rates. A burglar alarm offers the highest discount, but those also cost the most to install, so there is a tradeoff.

Discount

Average yearly cost

Dead bolt

$2,203

Smoke alarm

$2,200

Burglar alarm

$2,100

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

Home insurance companies in Savannah for dog owners

You may pay extra if you have a dog in your home, but this all depends on the breed. Some dog breeds are more prone to biting than others and are viewed as a greater liability risk.

For that reason, having one of these breeds can often increase your insurance rates. Some insurance companies may refuse to insure you altogether if you have an especially high-risk dog breed. If you’re considering getting a new dog, you should check with your insurance company to see how this could impact your rates.

Here is the average annual rate from 5 Savannah insurance companies for a homeowner who owns a dog breed that is considered aggressive. Allstate has the lowest average rates, while Travelers has the highest rates.

Company

Average yearly cost

Allstate

$779

Auto-Owners Insurance

$1,130

State Farm

$1,875

USAA

$2,465

Travelers

$2,549

Home insurance companies in Savannah for poor credit

Your credit score also impacts how much you pay for your homeowners insurance. The thought here is that homeowners with poor credit may not have the cash to pay for smaller issues out of pocket and will instead file a claim.

Here is the average yearly policy cost from 5 Savannah insurance companies for a homeowner with a poor credit score. Allstate has the lowest average rates in Savannah, while Auto-Owners Insurance has the highest rates.

Company

Average yearly cost

Allstate

$1,466

State Farm

$3,220

Travelers

$3,486

USAA

$3,526

Auto-Owners Insurance

$12,097

Home insurance companies in Savannah for pool owners

Having a pool increases both your dwelling coverage — since it’s something additional to replace — as well as your liability risk. Pools are fun, but they come with a higher risk of injury, and this is often reflected in insurance rates.

Allstate has the lowest average rates for a home in Savannah with a pool, while Travelers has the highest rates.

Company

Average yearly cost

Allstate

$801

Auto-Owners Insurance

$1,130

State Farm

$1,875

USAA

$2,465

Travelers

$2,549

How to buy homeowners insurance in Savannah

Here are the steps to take as you shop for homeowners insurance in Savannah:

  1. Reach out to a licensed Policygenius agent. Our experts can help you figure out exactly what kind of homeowners coverage is best for your needs. They can explain the features of the policy, deductibles, and potential additional coverage to consider at no charge and without any impact to your credit score.

  2. Ask about the Georgia Underwriting Association – Georgia’s FAIR plan provider. This is a plan that is designed to help cover homeowners in areas that are considered high risk. In Savannah, many homes may be ineligible for coverage with a standard company due to wind damage risk. You can also be considered high risk if you’ve filed frequent claims in the past. If you’re struggling to find coverage through a traditional insurer, ask your Policygenius agent if this coverage is a good option for you.

  3. Consider flood insurance. This isn’t something every homeowner needs, but it’s something you should ask about if you live in Savannah. As a coastal city, there’s a higher chance of flooding due to major storms. There’s also a lot of rainfall in Savannah, which can cause flooding even if you don’t have an ocean view. Ask about your home’s flood risk and whether or not you need flood insurance.  

  4. Figure out how much of a deductible you can afford. A higher deductible can lower your premium, but that means you have to pay more out of pocket every time you file a claim. Consider carefully how much you’re comfortable paying and whether it will easily fit into your budget. Don’t go so high that your deductible becomes unmanageable.

  5. Compare your Policygenius quotes. Once you figure out how much insurance you need, the kind of coverage you need, and your preferred deductible, then it’s time to look at quotes. Your Policygenius agent can help you evaluate quotes from each insurance company so you can make the best choice for your individual needs.

  6. Sign your policy and pay your first premium. You’ve done all the legwork, figured out exactly what you need, and chosen the perfect insurance company for you. Now it’s time to sign the policy and make your first premium payment. Your Policygenius agent can even help you cancel your old policy if it’s not yet up for renewal.

Ready to shop home insurance?

Start calculator

Frequently asked questions

Why is homeowners insurance expensive in Georgia?

It may be expensive to get homeowners insurance in Georgia due to the high risk of coastal storm damage in cities like Savannah. This comes in the form of heavy rainfall and storm surge, but also hurricane-force winds.

Is homeowners insurance required in Georgia?

No, the State of Georgia does not require homeowners insurance. However, if you have a mortgage on your home, then your lender may require homeowners insurance with specific minimums. Inquire with your lender to be sure your insurance obligations are properly met.

How can I lower my insurance in Savannah?

Ask about discounts and consider bundling your home and auto policies with the same company to lower your rates even more. Additionally, look into installing a security system or going with a higher deductible to lower your annual premium.

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.

Author

Automotive journalist

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Questions about this page? Email us at .