The Best and Cheapest Home Insurance in Georgia (2024)
Auto-Owners has the best homeowners insurance in Georgia. It costs $1,361 per year, on average.
Compare Home Insurance Quotes from Companies in Georgia
Best cheap homeowners insurance in Georgia
To find the best and cheapest GA homeowners insurance, ValuePenguin editors collected thousands of home insurance quotes from every ZIP code in Georgia. Our experts also considered coverage options, discounts offered and customer service reviews.
Cheapest home insurance in Georgia
Progressive has the overall cheapest home insurance quotes in Georgia.
A policy from Progressive costs around $1,346 per year for $350,000 of dwelling coverage. That's $871 per year less than the Georgia average of $2,217.
Auto-Owners is only slightly more expensive than Progressive, at $1,361 per year. It also has much better customer service reviews than Progressive. That makes Auto-Owners the best choice for most Georgia homeowners.
Find Cheap Home Insurance Quotes in Georgia
Auto-Owners also has excellent rates for expensive homes in Georgia. It's the cheapest option for homes that would cost between $500,000 and $1 million to rebuild.
GA home insurance quotes by dwelling coverage
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Progressive | $972 | |
| Auto-Owners | $990 | |
| Farmers | $1,261 | |
| Cincinnati | $1,262 | |
| State Farm | $1,421 | |
$200,000
Company | Annual rate | ||
|---|---|---|---|
|
| Progressive | $972 | |
|
| Auto-Owners | $990 | |
|
| Farmers | $1,261 | |
|
| Cincinnati | $1,262 | |
|
| State Farm | $1,421 | |
$350,000
Company | Annual rate | ||
|---|---|---|---|
|
| Progressive | $1,346 | |
|
| Auto-Owners | $1,361 | |
|
| Farmers | $1,886 | |
|
| Cincinnati | $1,957 | |
|
| State Farm | $2,059 | |
$500,000
Company | Annual rate | ||
|---|---|---|---|
|
| Auto-Owners | $1,756 | |
|
| Progressive | $1,808 | |
|
| Cincinnati | $2,634 | |
| USAA | $2,645 | |
|
| State Farm | $2,716 | |
$1 million
Company | Annual rate | ||
|---|---|---|---|
|
| Auto-Owners | $3,771 | |
|
| Progressive | $3,923 | |
| PURE | $4,076 | |
|
| USAA | $4,303 | |
|
| Cincinnati | $4,644 | |
What home insurance do I need in Georgia?
Hurricanes are a common cause of damage to Georgia homes. Homeowners living along the coast need to have coverage for both flood and wind damage from tropical storms and hurricanes. Flooding can also be an issue further inland if hurricane bands bring heavy rain.
Most home insurance policies cover wind damage, which includes damage caused by hurricanes. However, homes in very high-risk areas may have limited coverage or higher deductibles.
Basic home insurance doesn't cover weather-related flooding. If you're concerned about flood damage, you should consider buying a separate flood insurance policy.
Best Georgia home insurance for most people: Auto-Owners
-
Editor's rating
- Cost: $1,361/yr
Auto-Owners has very affordable homeowners insurance in Georgia and the cheapest quotes in Atlanta.
Pros:
-
Low rates
-
Excellent customer service
-
Great for bundling with auto insurance
Cons:
-
Can't compare quotes online
Auto-Owners is the best homeowners insurance company in Georgia for most people. At $1,361 per year, a policy with $350,000 of dwelling coverage is $856 per year cheaper than the statewide average.
Auto-Owners also has the cheapest home insurance quotes in Atlanta, at $1,476 per year.
That's cheaper than the Atlanta average by $793 per year. It also has the cheapest rates for homes that would cost more than $500,000 to rebuild.
Auto-Owners is one of the best-rated insurance companies in Georgia. It only gets one-third as many complaints as an average company its size, according to the National Association of Insurance Commissioners (NAIC). Auto-Owners also earned an above-average score on J.D. Power's customer satisfaction survey. That means you can count on Auto-Owners to help fix your home quickly after an emergency.
Auto-Owners is also a great option for Georgia homeowners looking to bundle their home and auto insurance policies. It has some of the cheapest car insurance quotes in Georgia.
Cheapest homeowners insurance in GA: Progressive
-
Editor's rating
- Cost: $1,346/yr
Progressive has the cheapest quotes in Georgia for affordable homes.
Pros:
-
Cheapest quotes in Georgia
Cons:
-
Poor customer service
Few coverage options
Pricey auto rates make it bad for bundling
Progressive has the absolute cheapest home insurance rates in Georgia.
You can get a policy with $350,000 of coverage for $1,346 per year. That's $871 less than the average cost of homeowners insurance in the state. Progressive also has the cheapest rates for $200,000 of dwelling coverage, at $972 per year.
The basic coverage offered by Progressive is fairly standard. However, it doesn't have as many coverage add-ons as other companies. For example, you can't get extra coverage for valuable items like expensive jewelry.
Another downside to buying home insurance from Progressive is its poor customer service reviews. Progressive gets nearly twice as many complaints as an average insurance company of its size, according to the NAIC. Most complaints are about difficult insurance adjusters and low settlement offers. That means you may end up paying more for repairs after an accident if you choose Progressive.
Best for coastal homes in Georgia: Cincinnati
-
Editor's rating
- Cost: $1,957/yr
Cincinnati is the best choice for homes near the water because it offers flood protection.
Pros:
-
Affordable quotes
-
Offers flood insurance
-
Very few customer complaints
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Extra coverage for expensive homes
Cons:
-
Can't buy a policy online
Cincinnati is an excellent choice for Georgia homes near the coast or a large body of water, like a lake or river. That's because you may be able to add flood coverage to your policy.
This is especially helpful for expensive homes because Cincinnati offers more coverage than you can get through the National Flood Insurance Program.
Cincinnati has some of the most affordable home insurance quotes in Georgia, at $1,957 per year for $350,000 of dwelling coverage. It also offers excellent rates for more expensive homes. It's the third-cheapest company in Georgia for a policy with $500,000 of dwelling coverage, at $2,634 per year.
Cincinnati also has a reputation for excellent customer service.
It gets very few complaints compared to an average company its size, according to the NAIC. That means most Georgia homeowners are happy with their experience at Cincinnati.
Find Cheap Home Insurance Quotes in Georgia
Average cost of homeowners insurance in Georgia
The average home insurance cost in Georgia is about $2,217 per year.
That's $66 per year more than the average cost of coverage in the U.S., which is $2,151 per year.
Dwelling coverage | Annual cost |
|---|---|
| $200,000 | $1,483 |
| $350,000 | $2,217 |
| $500,000 | $3,011 |
| $1,000,000 | $5,562 |
Although the Georgia coast is prone to hurricanes, its home insurance quotes are much cheaper than neighboring Florida. The average cost of homeowners insurance in Florida is over $1,000 per year more expensive, at $3,382 per year.
Cost of home insurance in Atlanta, GA
The average cost of homeowners insurance in Atlanta is $2,269 per year.
That's more expensive than the Georgia average by $52 per year.
Home insurance in Atlanta is more expensive than in its surrounding suburbs. For example, rates in Athens are only $1,880 per year, on average.
City | Annual rate |
|---|---|
| Atlanta | $2,269 |
| Athens | $1,880 |
| Johns Creek | $1,933 |
| Roswell | $1,938 |
| Alpharetta | $1,951 |
Home insurance quotes in GA by city
Homeowners in Athens, a college town near Atlanta, have the cheapest home insurance costs in Georgia at $1,880 per year.
Tybee Island, a barrier island outside of Savannah, has the most expensive rates, at $3,723 per year. This is likely because Tybee Island has a greater risk of damage from tropical storms and hurricanes.
Cost of Georgia homeowners insurance by city
City | Annual rate | % from avg |
|---|---|---|
| Abbeville | $2,201 | -1% |
| Acworth | $2,008 | -9% |
| Adairsville | $2,131 | -4% |
| Adel | $2,237 | 1% |
| Adrian | $2,259 | 2% |
Rates are for a policy with $350,000 of dwelling coverage.
Best insurance companies in GA
The best home insurance companies in GA are Auto-Owners, Cincinnati, Farm Bureau and State Farm.
All four companies have high ValuePenguin editor ratings and fewer customer complaints than average, according to the National Association of Insurance Commissioners (NAIC). Auto-Owners and State Farm also have above-average J.D. Power customer satisfaction scores.
Best home insurance in Georgia
Company |
Rating
|
Complaints
|
|---|---|---|
| USAA | Low | |
| Auto-Owners | Low | |
| Cincinnati | Low | |
| Farm Bureau | Low | |
| State Farm | Average |
Georgia homeowners with military ties can find the best customer service at USAA. However, only military members, veterans and some of their family members can buy home insurance from USAA.
It's important for homeowners in Georgia to consider customer service reviews along with price when shopping for home insurance.
Companies with excellent customer service can make your life much easier if you have to file an insurance claim. On the other hand, poor service can make the process much more difficult, and it could take longer to fix your home.
What home insurance coverage is important in Georgia?
Georgia's proximity to the Atlantic Ocean and Gulf of Mexico puts homeowners in the path of hurricanes. That means homeowners are more likely to experience flooding, even in inland areas.
Tornadoes also come through Dixie Alley and affect the state. There were about 72 tornadoes in Georgia in 2023, according to the National Oceanic and Atmospheric Administration (NOAA).
Does Georgia property insurance cover hurricanes?
Homeowners insurance typically covers damage caused by hurricane winds, but not flood damage.
However, if you live near the coast, your home insurance policy may have a separate hurricane or wind deductible. This deductible is typically between 1% and 10% of your dwelling coverage limit.
If the insurance company considers your home very high-risk for wind damage, it may not offer you wind protection. In this case, you may have to buy a separate wind insurance policy. If you live near the coast, check with your insurance agent to make sure your home has wind damage protection.
Does GA homeowners insurance cover flooding?
Homeowners insurance doesn't cover weather-related flooding.
You should consider buying flood insurance if your home is near the coast or a large body of water, or at a lower elevation than surrounding areas. If your home is in a designated flood zone, your mortgage lender will typically require you to have a flood insurance policy.
Georgia homeowners can buy flood insurance from the National Flood Insurance Program (NFIP) or a private insurance company.
An NFIP flood insurance policy costs an average of $744 per year in Georgia. There are more than 73,000 NFIP policies in effect in Georgia. The average policy includes around $285,000 of coverage.
Does home insurance in GA cover tornadoes?
Most homeowners insurance policies protect against damage caused by tornadoes. That's because home insurance typically covers wind damage, which includes damage from both tornadoes and hurricanes.
If you live in an area with frequent tornadoes, your home insurance may have a separate deductible for wind damage. This is usually higher than your main deductible and is generally a percentage of your dwelling coverage limit.
How to find the best cheap homeowners insurance in GA
To find the best home insurance in Georgia, you should shop around for the cheapest rates, look for discounts and consider customer service reviews.
Compare home insurance quotes from multiple companies. There's a difference of $2,184 per year between the most and least expensive home insurance companies in Georgia.
Home insurance companies consider the location of your home, its building materials, your insurance history and many other factors to determine your rate. The cheapest company for you may not be the same as the best choice for your friends or neighbors. That's why it's important to shop around to find the cheapest quote for your home.
Look for home insurance discounts. Homeowners can save as much as 40% on their insurance by taking advantage of discounts.
Bundling your home and auto insurance will typically get you the largest discount. You can also save by signing up for automatic payments, installing an alarm system or upgrading your home with certain safety features, like hurricane shutters.
Consider customer service reviews. The best home insurance in Georgia offers a combination of cheap rates and excellent customer service.
Service can be extremely important if something happens to your home and you have to file a claim. You want to be sure you can count on your insurance company to get your life back to normal quickly in an emergency situation.
Start by reviewing ValuePenguin's editor ratings, which consider customer complaints and reviews, cost, coverage options and availability. You can also research J.D. Power customer satisfaction scores and complaint data with the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
What is the average cost of homeowners insurance in Georgia?
Homeowners insurance in Georgia costs an average of $2,217 per year, or $185 per month. However, average rates can fluctuate by up to $1,843 per year depending on where you live.
What's the best homeowners insurance in Georgia?
Auto-Owners has the best home insurance in Georgia for most people. A policy from Auto-Owners costs around $1,361 per year, and the company has excellent customer service reviews.
What is the best Atlanta home insurance?
Auto-Owners has the best home insurance in Atlanta. It offers the cheapest rates in the city, at $1,476 per year. Auto-Owners also has great customer service and lots of ways to customize your home insurance coverage.
Are you required to have homeowners insurance in Georgia?
The state of Georgia doesn't require homeowners to have insurance coverage. However, if you have a mortgage, your lender typically requires you to buy a home insurance policy.
Why is home insurance so high in GA?
Georgia home insurance costs an average of $2,217 per year, which is only $66 higher than the national average. However, rates can be much higher for homes located along the coast and in areas with frequent tornadoes. That's because homeowners in these areas are more likely to file an insurance claim due to weather-related damage.
How did we pick the best homeowners insurance in Georgia?
To find the best homeowners insurance companies in Georgia, ValuePenguin evaluated each insurance company's rates, policy offerings and customer service reputation. Our experts collected quotes from every ZIP code in the state. Rates are for a 45-year-old married man with a good credit score and no prior insurance claims.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.