Georgia homeowners insurance calculator

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Homeowners insurance in Georgia costs an average of $2,323 per year, which is $220 less than the national average of $2,543 annually.

Several factors influence how much homeowners insurance costs, including coverage limits, location, local crime rates and the cost of rebuilding or repairing your home. For example, higher coverage limits typically mean higher premiums.

With insurers raising rates to keep up with rising risks and costs, it’s more important than ever to compare quotes. To make it easier, try our Georgia home insurance calculator to estimate your cost and get a jump on the process.

Key Takeaways

Our homeowners insurance calculator will help you see how dwelling coverage, liability limits and deductibles impact your premium.
Location, rebuilding costs, crime rates and natural disaster risks all influence insurance rates in Georgia.
You may need extra protection, like flood or earthquake insurance, if you live in an area with climate risks.

How to use the Georgia home insurance calculator

Our home insurance calculator is designed to give you a quick, personalized look at what coverage might cost in Georgia. Just plug in a few basics—your state, how much coverage you want for your home, the amount of liability protection, and the deductible that works for you.

Once you enter your info, the calculator shows you:

The average annual rate for homeowners in Georgia
The highest and lowest rates we found in our data
A list of insurance companies in Georgia, with their typical annual premiums, so you can see how they stack up

It’s a simple way to get a ballpark idea of your costs and compare companies before you start shopping for quotes.

Georgia home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Georgia

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Georgia

$2,541 Average rate

Average rate

$2,541/Yr

Lowest rate

$1,655/Yr

Highest rate

$3,396/Yr

Rates by carriers in Georgia

Company	Average annual rate
Allstate	$1,655
USAA	$1,777
Auto-Owners	$2,389
Travelers	$2,442
Farmers	$2,503
State Farm	$2,598
Nationwide	$2,999
Country Financial	$3,110
Georgia Farm Bureau	$3,396

Methodology

Insure.com commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

What affects your homeowners insurance premium

Homeowners insurance protects your home and finances, but the amount you pay depends on the coverages and limits you choose, such as:

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

How does dwelling coverage affect homeowners insurance in Georgia?

Dwelling coverage helps pay for repairing or rebuilding your home. The amount you choose will directly affect your insurance premium — higher coverage generally means higher premiums. Still, it’s important to select enough coverage to avoid paying significant out-of-pocket costs if something happens to your home.

The table below shows the average annual and monthly premiums based on different dwelling coverage amounts.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,789	$149
$300,000	$2,323	$194
$400,000	$2,902	$242
$600,000	$4,152	$346
$1,000,000	$6,089	$507

What is a hurricane deductible, and how does it impact home insurance rates in Georgia?

A hurricane deductible is a separate deductible on your homeowners insurance policy that only applies to hurricane damage. While the standard policy deductible is a fixed amount, the hurricane insurance deductible is usually a percentage of the dwelling coverage, often up to 10%.

Compare the rates below with and without a 2% hurricane deductible. If your policy excludes a hurricane deductible and you live in a hurricane-prone area, hurricane damage won’t be covered at all. Always review your policy details carefully to ensure you have the protection you need.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$2,617	$2,323

Average cost of homeowners insurance in Georgia

The average cost of homeowners insurance in Georgia is $2,323 per year. That estimate is based on a policy with $300,000 in home coverage, $300,000 in liability protection, and a $1,000 deductible.

Compared to the national average of $2,543, rates in Georgia are $220 less than. But remember — how much you actually pay could be higher or lower. Things like where your home is located, its age and size, and how much it would cost to rebuild all play a big role in what you’ll actually pay.

Calculate home insurance premium in other states

$1,616/Year

$7,136/Year

$5,986/Year

$2,924/Year

$2,729/Year

$3,124/Year

$1,638/Year

$1,529/Year

$4,085/Year

Average cost of home insurance in major Georgia cities

Homeowners insurance costs in Georgia can look very different depending on where you live. For instance, homeowners in Athens enjoy some of the lowest rates in the state, while those in Savannah face much higher premiums.

The table below highlights the average annual rates in major cities across Georgia.

City	Average annual rate	Average monthly rate
Athens	$2,039	$170
Roswell	$2,197	$183
Augusta	$2,219	$185
Johns Creek	$2,253	$188
Sandy Springs	$2,317	$193
Macon	$2,335	$195
Columbus	$2,349	$196
Atlanta	$2,496	$208
Savannah	$2,917	$243

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

Natural disasters and homeowners insurance rates

Homeowners insurance costs aren’t just based on your coverage limits—they’re also shaped by the natural disaster risks where you live. Depending on the state, common risks can include:

Flooding
Wildfires
Hurricanes
Tornadoes

These types of disasters usually aren’t covered under a standard homeowners policy. Instead, you’ll need separate policies or add-on endorsements. While adding this coverage can raise your premium, it also ensures you’re protected if disaster strikes.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.