- Best homeowners insurance companies in Georgia: Auto-Owners
- Cheapest home insurance companies in Georgia: Auto-Owners
- Average home insurance cost in Georgia
- Georgia home insurance rates by ZIP code
- Compare homeowners insurance rates by city in Georgia
- Home insurance FAQs
- Compare homeowners insurance rates with other states
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 Insurance.com score is calculated out of five using these factors.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Auto-Owners | A++ | 0.37 | 5 | $1,459 |
| State Farm | A++ | 0.83 | 3.71 | $2,765 |
| Allstate | A+ | 1.46 | 3.49 | $1,589 |
| Travelers | A++ | 1.10 | 3.48 | $2,618 |
| Nationwide | A+ | 1.05 | 3.11 | $2,652 |
| Farmers | A | 0.67 | 2.88 | $2,739 |
*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.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Auto-Owners | $1,194 | $1,459 | $1,792 | $2,366 | $4,460 |
| Allstate | $1,342 | $1,589 | $1,959 | $2,827 | $4,605 |
| USAA | $1,684 | $2,174 | $2,615 | $3,434 | $4,936 |
| Georgia Farm Bureau | $1,925 | $2,457 | $3,050 | $4,044 | $6,085 |
| Travelers | $1,921 | $2,618 | $3,574 | $5,320 | $8,928 |
| Nationwide | $1,897 | $2,652 | $3,405 | $5,169 | $9,036 |
| Farmers | $2,070 | $2,739 | $3,550 | $5,625 | $8,349 |
| 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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP Code | City | Highest Rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP Code | City | Lowest Rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
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 code | Average annual rates |
|---|---|
| 31522 | $3,391 |
| 31523 | $3,193 |
| 31410 | $3,130 |
| 30138 | $3,096 |
| 31561 | $3,070 |
| 31409 | $3,043 |
The least expensive ZIP codes in Georgia for home insurance
The cheapest ZIP codes for home insurance in Georgia are:
| ZIP code | Average annual rate |
|---|---|
| 30045 | $2,255 |
| 30683 | $2,263 |
| 30606 | $2,267 |
| 30605 | $2,272 |
| 30078 | $2,278 |
| 30043 | $2,279 |
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.Compare homeowners insurance rates by city in Georgia
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.
Compare homeowners insurance rates with other states
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