Best and cheapest homeowners insurance in Georgia for 2024

Best homeowners insurance companies in Georgia: Auto-Owners

The best home insurance company in Georgia for 2024 is Auto-Owners. State Farm, Allstate, Travelers, Nationwide and Farmers are among other top home insurance companies in Georgia based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

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Table

Best home insurance in Georgia
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	5	$1,459
State Farm	A++	0.83	3.71	$2,765
Allstate	A+	1.46	3.49	$1,589
Travelers	A++	1.10	3.48	$2,618
Nationwide	A+	1.05	3.11	$2,652
Farmers	A	0.67	2.88	$2,739

Data updated in 2024

*USAA only provides coverage to military members, veterans, and their families.

Cheapest home insurance companies in Georgia: Auto-Owners

Below are Georgia home insurance rates by company for five 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 for all the coverage levels.

Cheapest home insurance in Georgia
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Auto-Owners	$1,194	$1,459	$1,792	$2,366	$4,460
Allstate	$1,342	$1,589	$1,959	$2,827	$4,605
USAA	$1,684	$2,174	$2,615	$3,434	$4,936
Georgia Farm Bureau	$1,925	$2,457	$3,050	$4,044	$6,085
Travelers	$1,921	$2,618	$3,574	$5,320	$8,928
Nationwide	$1,897	$2,652	$3,405	$5,169	$9,036
Farmers	$2,070	$2,739	$3,550	$5,625	$8,349
State Farm	$2,140	$2,765	$3,385	$4,709	$7,085

Data updated in 2024

Average home insurance cost in Georgia

The average cost of homeowners insurance in Georgia is $2,302 a year or $192 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.

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.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Georgia Office of Commissioner of Insurance and Safety Fire says...

"Check with your insurance agent at least once a year to make sure your policy provides adequate coverage. The addition of a room, new insulation or remodeling add value to your home, therefore may increase replacement cost."

- The Georgia Office of Commissioner of Insurance and Safety Fire

The most expensive ZIP codes in Georgia for home insurance

Georgia homeowners insurance rates are the most expensive for ZIP code 31522, with an average annual cost of $3,391.

The most expensive ZIP codes in Georgia are:

ZIP code	Average annual rates
31522	$3,391
31523	$3,193
31410	$3,130
30138	$3,096
31561	$3,070
31409	$3,043

Data updated in 2024

The least expensive ZIP codes in Georgia for home insurance

The cheapest ZIP codes for home insurance in Georgia are:

ZIP code	Average annual rate
30045	$2,255
30683	$2,263
30606	$2,267
30605	$2,272
30078	$2,278
30043	$2,279

Data updated in 2024

Georgia homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Appling	$2,232	$186
Atkinson	$2,264	$189
Bacon	$2,286	$190
Baker	$2,259	$188
Baldwin	$2,332	$194
Banks	$2,127	$177
Barrow	$2,113	$176
Bartow	$2,280	$190
Ben Hill	$2,299	$192
Berrien	$2,268	$189
Bibb	$2,380	$198
Brantley	$2,332	$194
Brooks	$2,250	$187
Bryan	$2,702	$225
Bulloch	$2,393	$199
Burke	$2,361	$197
Butts	$2,198	$183
Calhoun	$2,274	$189
Camden	$2,795	$233
Candler	$2,468	$206
Carroll	$2,350	$196
Catoosa	$2,219	$185
Charlton	$2,362	$197
Chatham	$3,002	$250
Chattahoochee	$2,373	$198
Chattooga	$2,274	$190
Cherokee	$2,273	$189
Clarke	$2,037	$170
Clay	$2,315	$193
Clayton	$2,345	$195
Clinch	$2,250	$187
Cobb	$2,175	$181
Coffee	$2,301	$192
Colquitt	$2,250	$188
Columbia	$2,090	$174
Cook	$2,236	$186
Coweta	$2,288	$191
Crawford	$2,298	$192
Crisp	$2,267	$189
Dade	$2,285	$190
Dawson	$2,243	$187
Decatur	$2,314	$193
DeKalb	$2,263	$189
Dodge	$2,276	$190
Dooly	$2,245	$187
Dougherty	$2,215	$185
Douglas	$2,219	$185
Early	$2,381	$198
Echols	$2,184	$182
Effingham	$2,431	$203
Elbert	$2,155	$180
Emanuel	$2,338	$195
Evans	$2,370	$198
Fannin	$2,275	$190
Fayette	$2,152	$179
Floyd	$2,423	$202
Forsyth	$2,122	$177
Franklin	$2,134	$178
Fulton	$2,313	$193
Gilmer	$2,318	$193
Glascock	$2,343	$195
Glynn	$3,109	$259
Gordon	$2,364	$197
Grady	$2,363	$197
Greene	$2,087	$174
Gwinnett	$2,110	$176
Habersham	$2,287	$191
Hall	$2,125	$177
Hancock	$2,227	$186
Haralson	$2,335	$195
Harris	$2,271	$189
Hart	$2,143	$179
Heard	$2,431	$203
Henry	$2,270	$189
Houston	$2,173	$181
Irwin	$2,303	$192
Jackson	$2,105	$175
Jasper	$2,221	$185
Jeff Davis	$2,293	$191
Jefferson	$2,349	$196
Jenkins	$2,385	$199
Johnson	$2,206	$184
Jones	$2,165	$180
Lamar	$2,259	$188
Lanier	$2,168	$181
Laurens	$2,128	$177
Lee	$2,173	$181
Liberty	$2,708	$226
Lincoln	$2,139	$178
Long	$2,385	$199
Lowndes	$2,205	$184
Lumpkin	$2,345	$195
Macon	$2,280	$190
Madison	$2,202	$183
Marion	$2,350	$196
Mcduffie	$2,345	$195
Mcintosh	$2,799	$233
Meriwether	$2,402	$200
Miller	$2,295	$191
Mitchell	$2,381	$198
Monroe	$2,332	$194
Montgomery	$2,316	$193
Morgan	$2,154	$179
Murray	$2,276	$190
Muscogee	$2,376	$198
Newton	$2,193	$183
Oconee	$2,197	$183
Oglethorpe	$2,068	$172
Paulding	$2,207	$184
Peach	$2,186	$182
Pickens	$2,269	$189
Pierce	$2,388	$199
Pike	$2,292	$191
Polk	$2,522	$210
Pulaski	$2,288	$191
Putnam	$2,139	$178
Quitman	$2,229	$186
Rabun	$2,198	$183
Randolph	$2,282	$190
Richmond	$2,291	$191
Rockdale	$2,145	$179
Schley	$2,298	$191
Screven	$2,540	$212
Seminole	$2,308	$192
Spalding	$2,446	$204
Stephens	$2,251	$188
Stewart	$2,400	$200
Sumter	$2,273	$189
Talbot	$2,337	$195
Taliaferro	$2,136	$178
Tattnall	$2,399	$200
Taylor	$2,314	$193
Telfair	$2,290	$191
Terrell	$2,339	$195
Thomas	$2,241	$187
Tift	$2,395	$200
Toombs	$2,339	$195
Towns	$2,205	$184
Treutlen	$2,221	$185
Troup	$2,430	$202
Turner	$2,276	$190
Twiggs	$2,163	$180
Union	$2,228	$186
Upson	$2,292	$191
Walker	$2,250	$188
Walton	$2,238	$186
Ware	$2,335	$195
Warren	$2,294	$191
Washington	$2,282	$190
Wayne	$2,350	$196
Webster	$2,316	$193
Wheeler	$2,275	$190
White	$2,159	$180
Whitfield	$2,295	$191
Wilcox	$2,389	$199
Wilkes	$2,146	$179
Wilkinson	$2,265	$189
Worth	$2,217	$185

Data updated in 2024

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.

City	Annual insurance premium
Guyton	$1,814
Macon	$1,769
Marietta	$1,650
Mcdonough	$1,723
Pooler	$2,061

Data updated in 2024

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. It's a good idea even if it’s not required, 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 separate 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 on the GUA website.

Where do I file a complaint against a Georgia insurance company?

You can contact the Office of the Commissioner of Insurance and Safety Fire if you have a claim dispute, premium problem, or other concerns 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.