Georgia homeowners insurance calculator

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Homeowners insurance in Georgia costs an average of $2,323 per year, though your actual premium will vary based on your home’s location, replacement cost, coverage limits, and deductible.

If you want an estimate to get a general idea about how much it costs to insure your property – our Georgia homeowners insurance calculator shows how dwelling coverage, liability limits and deductible choices affect your premium, with rate comparisons across insurers and against the state average.

Whether you’re buying a home, reviewing your policy or shopping for a better rate, the calculator gives you a clearer picture of what to expect before you start getting quotes.

How can I lower my homeowners insurance premium in Georgia?

Compare quotes from several insurers before committing – rates for identical coverage can vary more than you might expect.
Consider raising your deductible – accepting a higher out-of-pocket cost in a claim usually brings your annual premium down.
Bundle your home and auto policies with the same insurer to take advantage of multi-policy discounts.
Add safety features to your home, such as smoke detectors, deadbolt locks, or a security system – these can qualify you for additional savings.

How to use the Georgia home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Georgia. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Georgia to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Georgia
The highest and lowest rates in our dataset
A breakdown of insurers in Georgia and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

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 analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. 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

Key Takeaways

Homeowners insurance in Georgia averages $2,323 per year, which is cheaper than the national average of $2,612.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Your premium is determined by a mix of property-specific and personal factors, including where your home is located, how it was built, your claims history, and the coverage selections you make.

Dwelling coverage. Reflects the estimated expense of rebuilding your home, factoring in square footage, construction materials, and local labor and material costs.
Liability coverage. Protects you financially if someone sustains an injury on your property or you’re held responsible for damaging someone else’s property.
Deductible. The amount you pay out of pocket before your insurer covers the remainder of a claim. A higher deductible reduces your premium but increases your exposure when a claim occurs.

Check your credit score

Some states allow insurers to factor in a credit-based insurance score when pricing policies, and the impact can be significant. Where permitted, maintaining a solid credit profile – keeping debt manageable and paying bills on time – can translate directly into a more affordable premium at renewal.

How does dwelling coverage affect homeowners insurance in Georgia?

Dwelling coverage determines how much your insurer will pay toward repairing or rebuilding your home after a covered event. The coverage level you choose has a direct effect on your premium – more coverage means higher costs. Even so, selecting an amount that genuinely reflects your home’s full rebuild value is important, since being uninsured can leave you with substantial out-of-pocket expenses after a major loss.

Average annual and monthly premiums by dwelling coverage amount are shown in the table below.

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

Average cost of homeowners insurance in Georgia

The average homeowners insurance premium in Georgia is $2,323 per year, which is cheaper than the national average of $2,612.

This figure is based on a standard policy with:

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

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Georgia cities

Home insurance rates in Georgia can differ quite a bit from one city to the next. Homeowners in Athens tend to pay among the lowest rates in the state, while those in Savannah face some of the highest.

The table below shows average annual premiums across major cities in Georgia.

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

How do natural disasters affect homeowners insurance rates in Georgia?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Georgia, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

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

A hurricane deductible is a distinct deductible within your homeowners policy that applies only when hurricane damage is the cause of loss. Unlike a standard fixed-dollar or flat deductible, a hurricane deductible is calculated as a percentage of your dwelling coverage – often up to 10%.

The table below compares average rates with and without a 2% hurricane deductible applied. If hurricane damage is excluded from your policy and your home is in a storm-prone location, you could be responsible for the full cost of any hurricane-related repairs. Reviewing your policy details carefully is the best way to make sure your coverage reflects your actual risk.

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

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.”

Frequently asked questions

What is the average cost of homeowners insurance in Georgia?

Homeowners in Georgia pay an average of $2,323 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Georgia?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned homeowners insurance rates from Quadrant Data Services in late 2025, covering policies with dwelling coverage ranging from $200,000 to $1 million and liability coverage of $100,000 and $300,000. Sample rates were based on a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$659/Year

$2,902/Year

Show more states

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.