Best Homeowners Insurance Companies in Georgia (2026)
Amica, USAA, and Farmers are among our top picks for home insurance companies in Georgia.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Georgia homeowners pay an average of $3,224 annually for home insurance with $300,000 in dwelling coverage and a $1,000 deductible. This rate is lower than the national average, possibly due to Georgia’s lower risk of natural disasters compared to surrounding states like Florida.[1]
Here’s what you need to know about homeowners insurance in Georgia.
Quick Facts
Amica, State Farm, and Liberty Mutual are three of the best home insurers in Georgia.
The cheapest home insurance company in Georgia is Allstate, with average monthly rates of $118.
If your Georgia home is at risk for flooding, you might want to buy a separate policy for flood coverage from a private insurance company or the National Flood Insurance Program (NFIP).
Best home insurance companies in Georgia
Georgia homeowners have many reputable home insurance companies to choose from. But the best home insurer for you will depend on your particular budget, needs, and personal preferences.
To simplify your search, here are five of the best home insurance companies in Georgia.
Amica: Best for high-value homes
AmicaCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $119/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $176/mo |
If you live in a high-value home in Georgia, Amica might be worth exploring. Amica’s Platinum Choice Home policy offers higher coverage limits and covers more perils than standard home insurance. Plus, it has a highly rated mobile app for seamless policy management and claims filing.
Pros
Online quotes available
Variety of insurance discounts advertised
Top-rated insurer in J.D. Power’s 2025 U.S. Home Insurance Study[2]
Cons
No independent insurance agents
May find cheaper premiums elsewhere
Poor reviews on the Better Business Bureau (BBB) website
USAA: Best for military homeowners
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $132/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $185/mo |
Georgia has one of the highest veteran populations in the U.S. If you’re a veteran in the Peach State, an active military member, or a military family member, USAA could be a solid pick for home insurance.
You’ll get standard replacement cost coverage plus access to unique benefits such as no deductible when you’re on duty or deployed. You can request a USAA homeowners insurance quote online.
Pros
Home Protector add-on available for additional protection
Special perks and discounts for military members
Save up to 15% if you don’t file a claim for five years
Cons
Coverage exclusively offered to the military community
Fewer discounts than competitors
Not accredited by the BBB
Farmers: Best for personalized service
personalized service
Farmers
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $226/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $390/mo |
You can find Farmers Insurance agents throughout Georgia in Atlanta, Columbus, Kennesaw, Marietta, Woodstock, and other parts of the state. Farmers is a good home insurance option if you prefer a personalized, local service experience. You can choose from numerous add-ons like valuable items coverage, identity fraud protection, and residence glass insurance.
Pros
Many discounts advertised
Offers online quotes
Highly rated mobile app
Cons
Below-average J.D. Power customer satisfaction rating
Poor Trustpilot reviews
Must work with an agent to lock in coverage
State Farm: Best for homes with hail-resistant or class 4 shingles
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $252/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $376/mo |
If your Georgia home contains hail-resistant or Class 4 shingles, you might qualify for a roofing discount from State Farm. The company offers home insurance coverage that automatically adjusts to account for inflation and rising construction costs. You can get a quote online or work with a local agent in Georgia.
Pros
Unique optional coverages, like additional personal property insurance and pet insurance
Above-average J.D. Power customer satisfaction rating
Free fire hazard monitoring device for qualifying homeowners
Cons
Fewer discounts than other insurers
Poor BBB rating
Doesn’t offer mechanical breakdown coverage
Liberty Mutual: Best for newly constructed homes
Liberty MutualCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
New builds are a common occurrence throughout Georgia in places like Walker County and Chatham County. If you’ve built a new home in the Peach State, you can take advantage of a new home discount from Liberty Mutual.
The home insurance company offers a variety of coverage add-ons, such as water backup insurance, service line coverage, and home system and appliance breakdown protection.
Pros
Online quotes available
Protects against inflation
Local agents in Georgia
Cons
Limited add-ons
Fewer discounts than competitors
Below-average J.D. Power customer satisfaction rating
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Georgia to assess which offer the best homeowners insurance rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Georgia
Allstate is the most affordable home insurance company in Georgia on average, but the cheapest insurer for you may look different.
Here’s a look at the cheapest home insurers in Georgia. The average annual premiums reflect costs for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $1,912 |
| USAA | $2,139 |
| Auto-Owners | $2,220 |
| Nationwide | $3,062 |
| Travelers | $3,143 |
| COUNTRY Financial | $3,467 |
| Farmers | $3,662 |
| Chubb | $3,840 |
| State Farm | $4,083 |
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How much does homeowners insurance cost in Georgia?
Home insurance in Georgia costs an average of $3,224 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
But your exact premium will depend on a number of factors, such as your property’s exposure to floods, wildfires, and other risks. The age of your home, its ZIP code, and your chosen deductible will also play a role in the cost of homeowners insurance coverage.[3]
Cheapest home insurance companies in Georgia by dwelling coverage
Dwelling coverage pays to repair or rebuild your home after a covered loss. It may also cover attached structures, such as your garage, porch, or deck.
Below, you’ll find the most affordable home insurers in Georgia, broken down by dwelling coverage level. The average annual premiums reflect costs for policies with a $1,000 deductible.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,523 |
| USAA | $1,669 |
| Auto-Owners | $1,750 |
| Nationwide | $1,928 |
| Travelers | $2,187 |
| Farmers | $2,528 |
| COUNTRY Financial | $2,544 |
| Chubb | $2,625 |
| State Farm | $3,127 |
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $1,912 |
| USAA | $2,139 |
| Auto-Owners | $2,220 |
| Nationwide | $3,062 |
| Travelers | $3,143 |
| COUNTRY Financial | $3,467 |
| Farmers | $3,662 |
| Chubb | $3,840 |
| State Farm | $4,083 |
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $2,787 |
| USAA | $2,997 |
| Auto-Owners | $3,095 |
| Travelers | $5,039 |
| COUNTRY Financial | $5,201 |
| Nationwide | $5,282 |
| Chubb | $5,817 |
| State Farm | $6,092 |
| Farmers | $6,319 |
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $3,970 |
| Allstate | $4,067 |
| Auto-Owners | $4,326 |
| COUNTRY Financial | $7,469 |
| Travelers | $7,567 |
| Chubb | $8,101 |
| State Farm | $8,409 |
| Nationwide | $8,652 |
| Farmers | $9,479 |
Georgia homeowners insurance cost by city
The location of your home in Georgia, including its ZIP code, risk of vandalism, and proximity to fire stations, can affect your home insurance rates. Homeowners in urban areas typically pay more for coverage than homeowners in small towns.
This table highlights home insurance premiums for a few cities in Georgia. Average annual premiums reflect costs for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium |
|---|---|
| Atlanta | $2,933 |
| Augusta | $3,160 |
| Savannah | $3,937 |
What homeowners should know about insurance in Georgia
As a Georgia resident, you should familiarize yourself with the risks and natural disasters that can affect your home, including:
Severe storms and tornadoes
The Peach State has natural disasters, like severe storms and tornadoes. Georgia averages about six days with tornadoes annually, typically between March and May, according to the National Weather Service.[4]
Fortunately, standard home insurance coverage usually includes storm and tornado damage.
Floods
Over the last 15 years, 75% of the 159 counties in Georgia have experienced flooding that has been declared a federal disaster.[5] While a standard homeowners insurance policy won’t cover flood damage, you can buy stand-alone flood insurance through a private insurer or the NFIP.[6]
Earthquakes
If you live in northwestern Georgia, particularly in the Eastern Tennessee Seismic Zone, your home may be prone to earthquake damage. An earthquake add-on to your standard coverage can help protect your property.
How much homeowners insurance do you need in Georgia?
Georgia law doesn’t require home insurance. But if you have a mortgage on your home, your lender may require it.
Regardless of whether you have a mortgage, home insurance is a smart investment. It can protect your home and personal belongings from unexpected events, such as fires, theft, and vandalism.
Home insurance may also cover legal fees and damages if someone sustains injuries on your property. Additionally, it can reimburse you for additional living expenses if your home becomes uninhabitable after a disaster. Without a policy, you may be on the hook for thousands or even tens of thousands of dollars (or more) in out-of-pocket expenses.[7]
Before you sign on the dotted line, make sure you understand what your home insurance policy covers. Depending on your situation, you might need to add on flood insurance or other endorsements to fully protect your home and finances.
Shop for Georgia Home Insurance
Monthly insurance premiums start at $118 for standard coverage
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How to contact the Georgia Department of Insurance
The Office of the Commissioner of Insurance and Fire Safety oversees home insurance companies in the state of Georgia. For example, if you have a complaint about a home insurance company due to an unfair claim denial or cancellation, you can contact the OCI directly for support.
Here are a few ways you can reach out.
How to Contact | Contact Information | What to Do |
|---|---|---|
| Online | https://oci.georgia.gov/ | Click on “Submit a Complaint” |
| By phone | 1 (404) 656-2070 or 1 (800) 656-2298 | Discuss your situation over the phone |
| In person | 2 Martin Luther King Jr. Dr. West Tower, Suite 702 Atlanta, GA 30334 | Visit the OCI in person at the Atlanta office |
Georgia homeowners insurance FAQs
The following information can help answer some of your remaining questions about home insurance in Georgia.
How much is home insurance in Georgia?
Homeowners insurance in Georgia costs an average of $3,224 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But if you add on flood insurance, which is important since the state is at risk for flooding, you’ll pay higher premiums.
Which company has the cheapest homeowners insurance in Georgia?
Allstate has the lowest homeowners insurance in Georgia. Its average rate is $118 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Does Georgia require homeowners insurance?
No. Georgia law doesn’t require home insurance coverage. But if you have a mortgage on your home, your mortgage lender might request it.
How can you lower your home insurance premiums in Georgia?
To save on home insurance costs in Georgia, you should shop around and compare home insurance quotes from multiple companies. You can also take advantage of discounts, install safety features, and increase your deductible.
What is the best homeowners insurance in Georgia?
The best home insurance company in Georgia depends on your unique home, budget, and priorities. Amica, USAA, Farmers, State Farm, and Liberty Mutual are several good insurers to explore.
How much is home insurance for a $500,000 house?
The cost of home insurance for a policy with $500,000 in dwelling coverage depends on your home’s age, ZIP code, and construction. Factors such as your claims history, deductible, discounts, and add-ons will also affect your rate.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- National Hurricane Center and Central Pacific Hurricane Center. "U.S. Mainland Hurricane Strikes by State, 1851-2004."
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
- National Weather Service. "Georgia Severe Weather Preparedness Week: Tornado Safety."
- Georgia Flood Insurance. "Statewide Flood Facts."
- National Flood Insurance Program. "Find a flood insurance provider."
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in