Below are our picks for the best home and auto insurance bundling companies in Georgia.
Best Home and Auto Insurance in Georgia
Updated: April 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
The top home and auto insurance companies in Georgia are Auto-Owners, USAA and Allstate.
Allstate offers the best home and auto insurance discount, with savings of 10% on auto and 16% on home insurance.
Georgia's average annual cost of home and auto insurance is $2,765, about 11% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Georgia?
| USAA | 91 | $2,652 | $239 |
| Auto-Owners | 88 | $2,201 | $278 |
| State Farm | 74 | $3,026 | $1,124 |
| Allstate | 72 | $2,726 | $436 |
| Progressive | 63 | $3,219 | $321 |
Auto-Owners: Best Cheap Home and Auto Insurance in Georgia
Auto-Owners offers affordable home and car insurance bundles. By bundling, you can save an average of 6% on auto and 16% on home insurance. Additional discounts are available for paying on time and having safety features.
| Auto | $1,121 | $77 | 6% |
| Home | $1,079 | $201 | 16% |
USAA: Best Home and Auto Insurance in Georgia for Military
USAA is an excellent choice for military families in Georgia, offering the second-lowest rates for home and auto insurance. Drivers can save up to 30% with the SafePilot program by practicing safe driving. USAA earns top customer satisfaction ratings for both home and auto insurance, according to J.D. Power.
| Auto | $1,066 | $37 | 3% |
| Home | $1,585 | $203 | 11% |
Allstate: Best Home and Auto Insurance Coverage in Georgia
Allstate is the third most affordable option for home and auto insurance in Georgia. It offers discounts like the Drivewise program, which can reduce car insurance costs by up to 40%. Allstate also provides unique coverage options, such as accident forgiveness, new car replacement and green improvement reimbursement for eco-friendly upgrades.
| Auto | $1,160 | $132 | 10% |
| Home | $1,566 | $304 | 16% |
Georgia Home and Auto Insurance Cost
The average monthly cost of home and auto insurance in Georgia is $230, below the national average of $258. Monthly rates vary by provider, ranging from $183 to $268.
| Georgia home and auto insurance bundle | $2,765 | $329 | -11% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Georgia Home and Auto Insurance Quotes Without Bundling
Research shows that not bundling home and auto insurance costs more in Georgia, but your quotes may vary. Below are average costs of coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| USAA | Auto-Owners | $2,383 |
| Allstate | Auto-Owners | $2,572 |
| USAA | Progressive | $2,750 |
| Auto-Owners | Progressive | $2,846 |
| Allstate | Progressive | $2,939 |
| USAA | Allstate | $2,973 |
| Auto-Owners | USAA | $2,987 |
| Auto-Owners | Allstate | $3,069 |
| Allstate | USAA | $3,080 |
| Progressive | Auto-Owners | $3,173 |
| State Farm | Auto-Owners | $3,233 |
| USAA | State Farm | $3,300 |
| Auto-Owners | State Farm | $3,396 |
| Allstate | State Farm | $3,489 |
| State Farm | Progressive | $3,600 |
| Progressive | USAA | $3,681 |
| State Farm | USAA | $3,741 |
| Progressive | Allstate | $3,763 |
| State Farm | Allstate | $3,823 |
| Progressive | State Farm | $4,090 |
Should I Bundle Home and Auto Insurance in Georgia?
For drivers in Georgia, bundling home and auto insurance is often cheaper than buying them separately. However, it's crucial to assess your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Georgia, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $2,383, while bundling brings it down to $2,201.
Bundling makes policy management convenient
When you bundle your insurance policies, managing them becomes easier. Everything is in one place, so you don't have to juggle multiple accounts.
In rare cases, it might be better not to bundle in Georgia
Choosing not to bundle might not save you money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in Georgia: Bottom Line
Auto-Owners, USAA and Allstate are the top choices for bundling home and auto insurance in Georgia. Bundling can save you more money than buying policies separately. Compare quotes from multiple companies to find the best deal.
Home and Auto Insurance in Georgia: FAQ
Get expert answers to common questions on Georgia home and auto insurance:
Who has the best home and auto insurance in Georgia?
Auto-Owners has the best home and auto insurance in Georgia. For military members, USAA is a better option. For those looking at coverage options, we recommend Allstate.
Who has the cheapest home and auto insurance in Georgia?
Auto-Owners offers the cheapest home and auto insurance bundle in Georgia, with an annual premium of $2,201. This results in an 11% savings, or $278, compared to the state average.
How much does home and auto insurance in Georgia cost on average?
In Georgia, the average annual premium for bundling home and auto insurance is $2,765, about 11% lower than the national average. The most affordable bundle starts at around $2,201, while the most expensive costs $3,219 annually.
Is bundling home and auto insurance cheaper in Georgia?
Bundling home and auto insurance in Georgia is usually cheaper. However, make sure the coverage meets your needs while saving money.
Best Auto and Home Insurance Bundle in Georgia: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Georgia Office of Insurance and Safety Fire Commissioner and Quadrant Information Services to calculate home and vehicle insurance rates. We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Georgia
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Georgia
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.