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Condo insurance isn’t required by law in Georgia, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Georgia, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Georgia with average annual rates.

Key takeaways

  • The residents of Georgia pay an average of $798 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, USAA is the top pick for the best condo insurance company in Georgia.
  • Georgia Farm Bureau offers the cheapest condo insurance in Georgia at an average of $467 per year.

Best condo insurance companies in Georgia

In Georgia, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Georgia. Below are the best condo insurance companies in Georgia based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
3.8
Allstate815A+
3.7
Country Financial830A+
3.3
State Farm829A++
3.1
Travelers794A++
2.8
Nationwide816A+
2.6
Farmers792A
2.0

Average cost of condo insurance in Georgia

The average cost of condo insurance in Georgia is $798 a year or $67 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$798$67

CONDO INSURANCE CALCULATOR

Average condo insurance rates in GEORGIA

$60,000
$1,000
$100,000
30310 - Atlanta
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,112

HIGHEST RATE: $2,519 LOWEST RATE: $486

Most & least expensive zip codes for condo insurance in Georgia

Most Expensive

Zip CodeCityHighest Rate
30309Atlanta$1,124
30305Atlanta$1,118
30354Atlanta$1,114
30311Atlanta$1,113

Least Expensive

Zip CodeCityLowest Rate
30907Augusta$886
30802Appling$888
30906Augusta$889
30809Evans$890

Condo insurance rates by company in Georgia

Rates for condo insurance by company in Georgia vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Georgia. The cheapest company for condo insurance in Georgia is Georgia Farm Bureau. Allstate, and Auto-Owners, are the second and third cheapest options.

CompanyAverage Annual Rate
Georgia Farm Bureau$467
Allstate$492
Auto-Owners$596
Country Financial$711
Travelers$839
State Farm$881
Farmers$888
Nationwide$897
USAA$904

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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