Best homeowners insurance companies in Georgia: Auto-Owners

The best home insurance company in Georgia for 2024 is Auto-Owners. State Farm, Allstate, Travelers, Nationwide and Farmers are among other top home insurance companies in Georgia based on price, NAIC complaints, and AM Best financial ratings.

The total score is calculated out of five using these factors.

Best home insurance in Georgia
CompanyAM BestNAIC complaint scoreAverage annual rate
State FarmA++0.833.71$2,765

*USAA only provides coverage to military members, veterans, and their families.

Cheapest home insurance companies in Georgia: Auto-Owners

Below are Georgia home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see Auto-Owners has the most affordable rates for all the coverage levels.

Cheapest home insurance in Georgia
Georgia Farm Bureau$1,925$2,457$3,050$4,044$6,085
State Farm$2,140$2,765$3,385$4,709$7,085

Average home insurance cost in Georgia

The average cost of homeowners insurance in Georgia is $2,302 a year or $192 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible.
  • 2% hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare quotes from different Georgia homeowners insurance companies to get the best deal. 

Georgia home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Georgia to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Georgia for home insurance 

Georgia homeowners insurance rates are the most expensive for ZIP code 31522, with an average annual cost of $3,391.

The most expensive ZIP codes in Georgia are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Georgia for home insurance

The cheapest ZIP codes for home insurance in Georgia are:

ZIP codeAverage annual rate

Compare homeowners insurance rates by city in Georgia

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Georgia.

CityAnnual insurance premium
Johns Creek
Sandy Springs

Home insurance FAQs

Do I need flood insurance in Georgia?

If you live in a high-risk area, you may be required by your mortgage company to buy flood insurance. It's a good idea even if it’s not required, especially if you live in a coastal area. You can buy flood insurance through an agent or company that participates in NFIP.

Do I need hurricane or windstorm insurance in Georgia?

If you live near the coast, you need coverage for hurricanes. Georgia is one of the states that allows insurance companies to add a separate hurricane or windstorm deductible, which is usually 2% of the dwelling coverage.

If you are unable to obtain windstorm coverage -- for example, because you live on the coast and are at much greater risk of hurricane damage -- the Georgia Underwriting Association will provide coverage. You can visit the GUA website for more information.

What can I do if I can't get homeowners insurance in Georgia?

Georgia residents who are unable to secure homeowners coverage can turn to the Georgia Underwriting Association.

The GUA serves as a residual insurance market with the mission to ensure that "basic property and liability insurance may be made available to all Georgians." You can find more information on the GUA website.

Where do I file a complaint against a Georgia insurance company?

You can contact the Office of the Commissioner of Insurance and Safety Fire if you have a claim dispute, premium problem, or other concerns regarding your insurance company.

To file a complaint, fill out a complaint form at the department website.

You can reach the department by mail at: Georgia Department of Insurance, 2 Martin Luther King Jr. Drive, Suite 716 West Tower, Atlanta, Georgia 30334.

If you have additional questions, call the Consumer Services Division at (404) 656-2070 in the metro Atlanta area and toll-free at (800) 656-2298.

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