Average homeowners insurance cost in Georgia

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Homeowners in Georgia pay an average of $2,304 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. Allstate 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 $2,304 per year.
Of all ZIP codes analyzed in Georgia, 30601 has the lowest average home insurance rates at around $2,006 annually.
On the insurer side, Allstate offers the most affordable average premiums in Georgia, coming in at $1,676 per year.

What is the average cost of homeowners insurance in Georgia?

The average homeowners insurance premium in Georgia is $2,304 per year. That figure is based on 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 $2,304 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 $2,885 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 $200,000 Liability and 2% Hurricane	$1,773	$148
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,789	$149
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,304	$192
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,323	$194
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,885	$240
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,902	$242
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$4,126	$344
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$4,152	$346
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$6,063	$505
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$6,089	$507

Average home insurance cost in Georgia by insurer

Allstate offers the most affordable homeowners insurance in Georgia, at an average annual premium of $1,676, followed by Auto-Owners and Nationwide.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Georgia homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,676	$140
Auto-Owners	$2,048	$171
Nationwide	$2,372	$198
Travelers	$2,563	$214
Country Financial	$2,808	$234
State Farm	$2,995	$250
Farmers	$3,097	$258
Georgia Farm Bureau	$4,051	$338
USAA*	$1,722	$144

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

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Georgia is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Georgia.

Most affordable ZIP codes for home insurance in Georgia

The lowest rates in Georgia are found in 30601, where homeowners pay an average of $2,006 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
30601	$2,006	$167
30606	$2,015	$168
31632	$2,016	$168
30683	$2,017	$168
30602	$2,021	$168
30609	$2,022	$168
30605	$2,026	$169
31069	$2,027	$169
30619	$2,028	$169
30630	$2,037	$170

Most expensive ZIP codes for home insurance in Georgia

At the other end of the spectrum, 31522 has the highest average rates in Georgia at $3,639 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Georgia.

ZIP code	Average annual rate	Average monthly rate
31522	$3,639	$303
31523	$3,261	$272
31328	$3,097	$258
31527	$3,081	$257
31404	$3,057	$255
31411	$3,039	$253
31547	$2,999	$250
31419	$2,994	$249
31406	$2,964	$247
31410	$2,943	$245

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’s the trend in home insurance rates for Georgia?

From the span of 2023 to 2025, Georgia saw home insurance rates increase by 2%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$2,352	$2,250	$2,304

What are the best homeowners insurance companies in Georgia?

Based on our data, Allstate stands out as a top choice in Georgia. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Georgia by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Allstate	$1,676	A+	1.26	4.72
Auto-Owners	$2,048	A+	0.39	4.72
Travelers	$2,563	A++	0.91	4.72
Country Financial	$2,808	A+	0.23	4.63
State Farm	$2,995	A+	1.15	4.56
Nationwide	$2,372	A	1.34	4.53
Farmers	$3,097	A	0.89	4.46
Georgia Farm Bureau	$4,051	B++	0.64	4.15
USAA*	$1,722	A++	0.46	4.85

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

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

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

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may 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.