Cheapest Georgia Homeowners Insurance Quotes (2024)

Allstate is one of the cheapest home insurers in Georgia, with annual premiums starting at $1,201.

Janet Berry-Johnson
Janet Berry-Johnson
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Katie Powers
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Mark Friedlander
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Data reviewed byAndrew Huang
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Updated April 29, 2024

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Georgia homeowners pay $2,173 annually, on average, for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage, Insurify data shows. Allstate and Auto-Owners provide some of the most affordable options.

Georgia is prone to a variety of severe weather hazards, including landfalling hurricanes, floods, severe thunderstorms, and tornadoes that can cause property damage and increase the cost of coverage for homeowners. Rates vary depending on your location and the level of coverage you choose, so you should always compare quotes from multiple insurers.

Here’s what you need to know about finding the best homeowners insurance in Georgia for you.

Quick Facts
  • Your home’s characteristics — such as age, value, and condition — can affect your homeowners insurance rates in Georgia.

  • Higher dwelling coverage limits and lower deductibles generally result in higher home insurance rates.

  • Standard homeowners insurance policies typically don’t cover flood or earthquake damage, but you can usually buy separate coverage for these events.

Best home insurance companies in Georgia

Many quality home insurance companies offer homeowners insurance policies in Georgia. Having so many options will help you more easily find a policy that fits your insurance needs and budget.

Remember that the best policy for another person might not be the ideal choice for you, so it’s important to shop around. Start your search below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual PremiumBest For
Allstate4.1$1,201Cheapest rates
State Auto3.3N/AComprehensive coverage
Mercury3.8N/ANewer-construction homes
Travelers3.9$1,973Eco-conscious homeowners
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best home insurance companies. The Insurify Quality (IQ) Score uses crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for homeowners to better compare home insurance companies and make informed decisions to meet their coverage needs.

Cheapest rates: Allstate

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$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.
$97/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.
$134/mo

Allstate, the second-largest U.S. home insurer by market share, offers the cheapest average home insurance premiums in Georgia. Whether you’re in the bustling city of Atlanta or a quieter, more rural part of the Peach State, you can tailor Allstate’s flexible coverage options to suit your needs and budget.

The company offers the standard types of homeowners insurance, as well as optional add-ons for jewelry, musical instruments, sports equipment, and more. Allstate customers can save money on coverage through a number of available discounts.

Pros
  • Multi-policy bundling discount available

  • Sells mobile and manufactured home insurance

Cons
  • Some negative customer reviews on Trustpilot

  • Poor customer satisfaction

Best insurer for comprehensive coverage: State Auto

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
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+

State Auto, a Liberty Mutual company, is an excellent insurance option if you want to have a high level of protection for your home. Knowing what coverages and limits you need can be complex. State Auto has a self-guided property inspection app that guides you through inspecting your property to ensure you get the coverage you need.

The company offers three levels of coverage — Basic, Protection Plus, and Premier — to help you find the right coverage for your needs.

Pros
  • AM Best financial strength rating of A+ (Superior)

  • Earthquake coverage add-on available

Cons
  • Quotes not available online — only through an independent agent

  • Higher average premiums than some competitors

Best insurer for owners of newer-construction homes: Mercury

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
$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.
$94/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.
$148/mo

Mercury, a regional insurer available in 11 states, including Georgia, offers discounts for newer-construction homes and homes in gated communities or built with fire-resistant construction materials. You can earn a discount if your home has modern protective devices like smoke and burglar alarms.

Pros
  • Quotes available online or through an independent agent

  • Generous discounts for bundling home and auto insurance

Cons
  • Fewer coverage options than some other insurance companies

  • Some negative customer reviews on Trustpilot

Best insurer for eco-conscious homeowners: Travelers

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
$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.
$159/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.
$241/mo

Living in an eco-friendly home and community can lower your energy costs and help mitigate the effects of climate risk. Travelers provides several unique discounts for owners of “green homes.”

For example, you can qualify for a 5% discount if the Leadership Energy and Environmental Design (LEED) organization certifies your home as a green home. Plus, its optional Green Home Coverage helps cover the cost of repairing or rebuilding your home with green materials after a covered loss.

Pros
  • Extensive array of policies and coverage choices

  • AM Best financial strength rating of A++ (Superior), the highest rating possible

Cons
  • More expensive than some other companies

  • Some customers complain of policy non-renewal after filing a claim

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Cheapest home insurance in Georgia

If you’re looking for budget-friendly home insurance, Allstate has the cheapest average annual premiums in Georgia. You should always consider multiple options before committing to an insurer.

To provide a clearer picture of cheap home insurance options in Georgia, the table below shows the companies offering the cheapest average rates. This can serve as a starting point in your search for affordable coverage.

Insurance CompanyAverage Annual Premium
Allstate$1,201
Auto-Owners$1,284
Pure Companies Group$1,679
Armed Forces Insurance$1,732
Farmers$1,779
Progressive$1,852
Georgia Farm Bureau$1,931
Travelers$1,973
Cincinnati Insurance$2,065
USAA$2,205
Universal North America$2,243
Nationwide$2,329
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

Cost of homeowners insurance in Georgia

Georgia residents can expect to pay around $2,173 per year for a homeowners insurance policy for $300,000 in dwelling coverage with a $1,000 deductible. This rate is much higher than the national average cost of $1,770 per year for the same type and amount of coverage.

Your actual premiums may vary depending on several factors. How much you pay for coverage varies based on your ZIP code, your home’s age and condition, construction materials used, safety and security features, your claims history, coverage amount, and deductible.

Cost of homeowners insurance by dwelling coverage amount

Your dwelling coverage amount is one of the biggest factors that weighs into the cost of your home insurance. This is the maximum amount the insurance company will pay to repair or rebuild your home following a covered event.

Generally, the higher your dwelling coverage, the higher your insurance premium. The table below shows the average annual premium for different coverage limits in Georgia.

Coverage LimitsAverage Annual Premium
$100,000$981
$200,000$1,618
$300,000$2,173
$400,000$2,741
$500,000$3,271

Cost of homeowners insurance by deductible

Your deductible is the amount you’re responsible for paying before your insurance coverage kicks in to cover a loss. Opting for a low deductible means you’ll pay less out of pocket when you file a claim, but it generally results in a higher premium. Setting a higher deductible can decrease your annual premium costs.

Here’s how two common deductible amounts affect the average annual premium for homeowners insurance in Georgia.

Deductible AmountAverage Annual Premium
$500$2,230
$1,000$2,173

How to get cheap homeowners insurance in Georgia

Finding affordable homeowners insurance doesn’t require compromising on coverage. With the right strategies, you can find a policy that provides adequate protection at a reasonable price.

Here are some common ways to save on homeowners insurance in Georgia:

  • Bundle policies. Many insurance companies offer discounts to customers who bundle their homeowners insurance with other policies, such as auto or life insurance. This can simplify managing your insurance policies and lead to substantial savings.

  • Increase your deductible. Choosing a higher deductible generally leads to lower premiums. If you’re comfortable with the potential out-of-pocket expense in the event of a claim, increasing your deductible can be an effective way to lower your insurance costs.[1]

  • Install safety and security features. Insurance companies often offer discounts for homes with security systems, sprinkler systems, and other safety features. These improvements reduce the risk of claims, leading to lower premiums.

  • Ask about discounts. Insurance companies offer a variety of discounts. For example, you might qualify for discounts for remaining loss-free, installing storm shutters, or maintaining good credit. Don’t hesitate to ask potential insurance companies what discounts you’re eligible for.

  • Shop around and compare quotes. Don’t settle for the first quote you receive. Insurance rates can vary significantly between companies. Take the time to compare quotes from multiple insurers to find the best rate for the coverage you need.

Shop for Cheap Georgia Home Insurance

Annual insurance premiums start at $1,201

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Georgia homeowners insurance rates by city

Homeowners insurance rates vary not only from state to state but also between different cities and ZIP codes within a state.

Some factors that influence these variations include weather-related events in coastal areas, higher rates of crime in larger cities like Atlanta, proximity to fire stations and hydrants in cities versus rural areas, building and reconstruction costs, and local regulations and building codes.

Compare the average cost of homeowners insurance for several cities in Georgia below.

CityAverage Annual Premium
Alpharetta$1,979
Atlanta$2,476
Augusta$2,367
Cumming$2,119
Duluth$2,080
Lawrenceville$2,128
Marietta$2,229
Powder Springs$1,992
Stockbridge$2,352
Suwanee$2,007

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How much homeowners insurance do you need in Georgia?

One of the most critical decisions you must make when buying a home insurance policy is how much coverage you need. When you take out a mortgage to buy or refinance your home, your lender will require you to have homeowners insurance coverage to protect the lender’s investment. Having this coverage also benefits you as the homeowner.

An insurance agent can help you determine the amount of dwelling and personal property coverage you need based on the value of your home and personal belongings. However, it’s a good idea to understand and choose the right coverages and limits to protect your home, belongings, and budget.

What are some of the biggest risks when owning a home in Georgia?

Owning a home in Georgia comes with unique challenges and risks, so you want to make sure you have the right insurance coverage in place to protect your property.

Here are a few common perils in Georgia.

  • illustration card https://a.storyblok.com/f/162273/x/68ed522f01/windstorm-and-hail.svg

    Severe storms and tornadoes

    The entire state of Georgia is prone to natural disasters like severe storms and tornadoes. According to the National Weather Service (NWS), Georgia averages around six days with tornadoes per year — most of which occur from March through May.[2] The Insurance Information Institutes reports that Georgia experienced 58 tornadoes in 2023. A standard homeowners insurance policy generally covers damage from severe storms and tornadoes.

  • illustration card https://a.storyblok.com/f/162273/x/2c500fdca3/accidental-discharge-of-water.svg

    Floods

    Around 75% of Georgia’s 159 counties have experienced enough flooding in the past 15 years to warrant a federal disaster declaration.[3] Standard home insurance policies generally don’t cover flood damage. You can buy separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurance company.[4]

  • illustration card https://a.storyblok.com/f/162273/x/a0c151e1ba/accidental-tearing-apart-cracking-etc.svg

    Earthquakes

    Major earthquakes aren’t common in Georgia, as the state doesn’t have clearly defined active faults. However, most earthquakes in the state occur in the northwestern area of Georgia — part of the Southeastern Tennessee Seismic Zone — so it’s a risk that residents of the state should consider. Many home insurers offer earthquake coverage as an endorsement to your standard homeowners insurance policy. You may need to purchase this coverage to protect your home and belongings from severe damage from earthquakes.

Georgia homeowners insurance FAQs

Finding cheap home insurance doesn’t have to feel complicated. The following information should help you navigate the process of finding coverage in Georgia.

  • How much is home insurance in Georgia?

    Georgia homeowners pay $2,173 per month, on average, for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Purchasing less dwelling coverage — like $100,000 or $200,000 — costs less, while purchasing more — like $400,000 or $500,000 — costs more.

    Homeowners in the state face higher insurance rates than many U.S. homeowners, perhaps due to the severe weather experienced in Georgia. The state faces a variety of weather hazards year round.

  • Which companies have the cheapest homeowners insurance in Georgia?

    Allstate has the cheapest homeowners insurance in Georgia, with an average yearly premium of $1,201. Auto-Owners also has affordable coverage, with annual premiums of $1,284 per year.

  • Does Georgia require homeowners insurance?

    Not legally. Georgia state law doesn’t require homeowners insurance, but your lender will if you take out a mortgage. Even if you don’t have a mortgage, you should buy home insurance to financially protect your home and personal property in case of covered damages.

  • What types of add-on coverage do you need in Georgia?

    Depending on where you live in the state, consider purchasing earthquake insurance. And since all areas of Georgia and prone to flooding, you should also consider flood insurance. Standard homeowners insurance policies don’t cover damage from these two events, so you’d have to pay for damages out of pocket.

Sources

  1. Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
  2. National Weather Service. "Georgia Severe Weather Preparedness Week Tornado Safety."
  3. Georgia Flood Insurance. "Statewide Flood Facts."
  4. Insurance Information Institute. "Homeowners Insurance Basics."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Andrew Huang
Data reviewed byAndrew HuangVP, Marketing & Analytics
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVP, Marketing & Analytics
  • 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

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