Average homeowners insurance cost in Savannah, GA

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In Savannah, homeowners pay an average annual rate of $3,053 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $549 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Savannah, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Savannah, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Savannah.

Key takeaways

The cost of your homeowners insurance policy in Savannah can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Savannah with an average annual premium of $2,275.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $767 more, annually for home insurance.

Average homeowners insurance cost in Savannah per month

Savannah homeowners pay an average of $254 a month, based on our rate analysis. It’s $64 more than the state average of $190 and $45 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Savannah may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Savannah

In Savannah, GA, homeowners pay an average of $2,286 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Savannah

According to Insure.com’s rate analysis, homeowners in Savannah typically pay an average of $3,053 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $767. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Savannah by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Savannah, offering an average annual rate of $2,275.

Georgia Farm Bureau ranks second, while Auto-Owners holds the third spot with an average annual rate of $2,853.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Savannah and compiled a list of the most affordable options.

Below are the details of home insurance companies in Savannah and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$2,275
Georgia Farm Bureau	$2,690
Auto-Owners	$2,853
State Farm	$3,066
Nationwide	$3,217
Travelers	$4,417
Farmers	$4,716
USAA*	$2,548

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Savannah for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.