Auto-Owners is the best homeowners insurance company in Georgia, based on a 2023 analysis by Insurance.com, with an overall rating of 4.97. USAA took the second spot, but is only available to military members, veterans and their families.
Auto-Owners also offers the cheapest home insurance in Georgia at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Georgia. You need a reliable company that will provide you with quality service at an affordable price. Below we’ll help you find that company.
Key takeaways
- The average home insurance rate in Georgia is $2,163 per year or $180 per month.
- Auto-Owners is the cheapest home insurance company in Georgia for military veterans and their families at an average rate of $1,562 a year.
- Auto-Owners ranks the best home insurance company in Georgia for 2023.
- How much is home insurance in Georgia?
- Best homeowners insurance companies in Georgia
- Cheapest home insurance companies in Georgia
- Georgia home insurance rates by ZIP code
- Frequently asked questions about Georgia home insurance
- Compare homeowners insurance rates by city in Georgia
- Compare homeowners insurance rates with other states
How much is home insurance in Georgia?
The average cost of homeowners insurance in Georgia is $2,163 a year or $180 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.
Best homeowners insurance companies in Georgia
The best home insurance company in Georgia for 2023 is Auto-Owners, followed by USAA and Farmers.
Below is a full list of the top Georgia insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Georgia
Below are Georgia home insurance rates by company for six 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 in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Auto-Owners | $ 1,254 | $ 1,562 | $ 1,909 | $ 2,230 | $ 2,614 |
| Allstate | $ 1,492 | $ 1,810 | $ 2,234 | $ 2,717 | $ 3,189 |
| Farmers | $ 1,568 | $ 2,001 | $ 2,514 | $ 3,064 | $ 3,685 |
| USAA | $ 1,638 | $ 2,172 | $ 2,647 | $ 3,104 | $ 3,542 |
| Georgia Farm Bureau | $ 1,786 | $ 2,279 | $ 2,828 | $ 3,347 | $ 3,749 |
| Travelers | $ 1,856 | $ 2,530 | $ 3,455 | $ 4,295 | $ 5,141 |
| State Farm | $ 2,015 | $ 2,610 | $ 3,203 | $ 3,951 | $ 4,658 |
| Nationwide | $ 2,273 | $ 3,227 | $ 4,195 | $ 5,357 | $ 6,626 |
| Country Financial | $ 2,442 | $ 3,131 | $ 3,939 | $ 4,767 | $ 5,515 |
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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in Georgia for home insurance
Georgia homeowners insurance rates are the most expensive for ZIP code 30449, with an average annual cost of $2,833.
The most expensive ZIP codes in Georgia are:
| ZIP code | Average annual rates |
|---|---|
| 30449 | $ 2,833 |
| 39852 | $ 2,828 |
| 39829 | $ 2,816 |
| 31739 | $ 2,808 |
| 39832 | $ 2,793 |
| 30424 | $ 2,789 |
The least expensive ZIP codes in Georgia for home insurance
The cheapest ZIP codes for home insurance in Georgia are:
| ZIP code | Average annual rates |
|---|---|
| 30601 | $ 2,121 |
| 30609 | $ 2,128 |
| 30606 | $ 2,130 |
| 30602 | $ 2,131 |
| 30605 | $ 2,132 |
| 30045 | $ 2,136 |
Frequently asked questions about Georgia home insurance
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. Even if it’s not required, it’s a good idea, 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 seperate 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 at the GUA website.
Where do I file a complaint against a Georgia insurance company?
You can contact the Consumer Services Division of the Office of Commissioner of Insurance and Safety Fire if you have a claim dispute, premium problem or other concern 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 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.
Compare homeowners insurance rates with other states
Helpful home insurance tools and calculators
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