Average Cost of Homeowners Insurance in Georgia (2026)

Home insurance in Georgia averages $2,258 a year, or $188 monthly. That's $1,209 less than the national average cost of home insurance. The statewide figure can still change by location, since a home in Savannah costs $1,438 more a year to insure than one in Athens. If you're shopping for a policy here, your ZIP code and your carrier will move your bill more than the state average suggests.

Since 1980, 68 severe storms that each caused more than $1 billion in losses have hit Georgia, more than any other type of disaster in the state. Those storms bring hail, straight-line wind and tornadoes to north and central Georgia. The coast around Savannah and Brunswick adds hurricane and storm surge risk on top of that. Hurricanes don't stop at the coast here. Hurricane Helene brought winds of 90 to 95 mph to South Georgia in September 2024.

Metro Atlanta's steady growth keeps contractors and building materials in high demand, so repairs after a hail storm cost more to complete. National carriers and regional companies like Auto-Owners compete for the same Georgia customers, and that competition helps keep rates below the national average. Homeowners who can't find private coverage can turn to the Georgia Underwriting Association, the state's FAIR Plan (a state-created insurer of last resort), though it usually covers less than a private policy.

Savannah is the only city in MoneyGeek's Georgia analysis that costs much more than the state average. The other 10 cities sit within $399 of each other.

Savannah averages $3,355 annually, 49% above the state average. Its coastal location adds hurricane and storm surge risk that inland cities don't carry. If you're moving from Atlanta to Savannah, the same home costs $1,183 more a year to insure.

If your home would cost more than $250,000 to rebuild, these Georgia averages show what each higher dwelling limit adds to your premium.

Opting for higher dwelling coverage, such as going from $250,000 to $500,000, raises the Georgia average by $1,834 a year. That's an 81% increase for twice the dwelling coverage. If you cut your limit below your home's rebuild cost, you give up a lot of protection for a small saving. Your own premium will differ from these averages, and MoneyGeek's home insurance cost calculator can estimate it for your address.

Georgia's below-average premiums mean a higher deductible saves fewer dollars here, so it's worth checking whether the extra risk pays off.

Raising your deductible from $1,000 to $2,000 saves $222 a year in Georgia. You'd need about 4.5 claim-free years to make up the extra $1,000 you'd pay after a loss. If you rarely file claims and have $2,000 set aside, the higher deductible pays off.

Several of the most familiar insurance brands price above the Georgia average. The cheapest option is a regional carrier sold through independent agents.

Auto-Owners averages $1,640 annually, the lowest rate among Georgia insurers we compared. Farmers averages $2,761. Staying with Farmers costs $1,121 more a year for the same policy. If you're with State Farm, staying costs $1,016 more a year than Auto-Owners Insurance's average. Regional carriers outside this table may price differently in your ZIP code. Price isn't the only factor to weigh. MoneyGeek's ranking of the best homeowners insurance companies also scores claims service and coverage options.

Your credit, your home's age and whether you file a claim each change Georgia premiums by hundreds to thousands of dollars a year, and each is something you can act on.

Georgia doesn't restrict insurers from factoring credit into home insurance rates, which means rates change by your credit score. The averages below show the same policy priced at every credit level.

The annual difference between poor and excellent credit in Georgia reaches $3,601 on the same policy. Fair credit costs $2,194 a year on average, $64 less than good credit. If your credit is fair or good, reaching excellent is the step that lowers your rate.

Georgia insurers charge very little extra to cover an older home, which sets the state apart.

An older Georgia home averages $2,290 annually, only $32 more than a middle-aged one. Nationally, that same step adds $595 a year. If you're buying an older home in Georgia, its age alone won't raise your premium much, but a worn roof still can.

In Georgia, your first claim raises your rate more than your second one does.

One claim raises the Georgia average by $359 a year. A second claim adds $302, less than the first. Because insurers look back five years, that first claim can cost you $1,795 in higher premiums, so paying for a smaller repair yourself is often the cheaper choice.