Average homeowners insurance cost in Georgia

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Homeowners in Georgia pay an average of $2,286 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Auto-Owners offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Georgia at $2,286 per year.
Of all ZIP codes analyzed in Georgia, 30683 has the lowest average home insurance rates at around $1,994 annually.
On the insurer side, Auto-Owners offers the most affordable average premiums in Georgia, coming in at $1,449 per year.

What is the average cost of homeowners insurance in Georgia?

Homeowners in Georgia pay an average of $2,286 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Georgia? Cost by coverage level

The typical homeowners insurance policy in Georgia runs $2,286 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $2,863 in Georgia.

The table below shows average homeowners insurance costs in Georgia for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,747	$146
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,760	$147
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,286	$190
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,302	$192
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,863	$239
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,882	$240
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,054	$338
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,080	$340
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$6,405	$534
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$6,444	$537

Average home insurance cost in Georgia by insurer

The most affordable homeowners insurance in Georgia comes from Auto-Owners, which averages $1,449 per year. Allstate and Georgia Farm Bureau are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Georgia homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Auto-Owners	$1,449	$121
Allstate	$1,569	$131
Georgia Farm Bureau	$2,451	$204
Travelers	$2,607	$217
Nationwide	$2,618	$218
Farmers	$2,664	$222
State Farm	$2,757	$230
USAA*	$2,174	$181

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Georgia.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Georgia?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Georgia.

Most affordable ZIP codes for home insurance in Georgia

The lowest rates in Georgia are found in 30683, where homeowners pay an average of $1,994 per year.

Where you live in Georgia has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Georgia.

ZIP code	Average annual rate	Average monthly rate
30683	$1,994	$166
30045	$1,998	$166
30606	$1,999	$167
30022	$2,001	$167
30605	$2,006	$167
30092	$2,012	$168
30043	$2,013	$168
30609	$2,014	$168
30019	$2,015	$168
30669	$2,019	$168

Most expensive ZIP codes for home insurance in Georgia

31522 carries the highest average home insurance rates in Georgia, at $3,492 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Georgia.

ZIP code	Average annual rate	Average monthly rate
31522	$3,492	$291
31410	$3,311	$276
31561	$3,238	$270
31409	$3,182	$265
31523	$3,130	$261
31328	$3,092	$258
31411	$3,079	$257
31404	$3,069	$256
31406	$3,067	$256
31558	$3,047	$254

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Georgia by city

See rates in your city

Atlanta

Columbus

Savannah

What are the best homeowners insurance companies in Georgia?

Our data points to Auto-Owners as the best overall pick in Georgia, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Georgia compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Auto-Owners	$1,449	A++	0.33	5
Travelers	$2,607	A++	0.54	4.59
Allstate	$1,569	A+	0.9	3.69
Farmers	$2,664	A	0.54	3.3
Georgia Farm Bureau	$2,451	B++	0.61	3.22
Nationwide	$2,618	A+	0.87	2.76
State Farm	$2,757	A++	0.95	2.55

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.