In Athens, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. For those focusing on price, Chubb also provides the lowest premium at around $189 monthly.
Cheap Home Insurance in Athens
Updated: June 11, 2025
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Key Takeaways
Chubb is the best and most affordable home insurance provider in Athens, offering the lowest average rate of $2,271 per year.
Homeowners in Athens pay around $401 per month or $4,812 per year for home insurance.
To secure the best and cheapest home insurance, assess your coverage needs, research providers and compare multiple quotes.
Best Cheap Home Insurance Companies in Athens
| Chubb | 99 | $189 | $2,271 |
| State Farm | 87 | $259 | $3,110 |
| Travelers | 78 | $262 | $3,142 |
| Nationwide | 76 | $349 | $4,189 |
| Farmers | 75 | $294 | $3,524 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Athens Home Insurance Cost?
Home insurance costs in Athens can vary based on your personal profile, coverage level and home details. Rates range from $168 to $1,412 per month. Below, you can compare rates tailored to your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $168 | $2,017 |
How to Get the Best Cheap Home Insurance in Athens
Finding affordable home insurance in Athens can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes fairly and prevents you from being upsold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Georgia for your city and profile provides a reference point for evaluating potential savings. Understanding available discounts can help you identify insurers offering lower rates.
- 3
Compare Company Offerings and Reputations
Investigate add-on coverages and company reputations, as pricing isn't the only factor to consider. J.D. Power, the NAIC, Reddit and Trustpilot are excellent resources for assessing reviews and service quality.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes thoroughly helps you identify the most affordable option for comparable coverage. Since prices can vary by source, use online tools, independent agents and captive agents to secure the best deal.
Best Home Insurance in Athens: Bottom Line
The top three best and cheapest home insurance providers in Athens are Chubb, State Farm and Travelers. While these are our recommendations, do your own research and compare multiple quotes to find the best deal.
Athens Home Insurance: FAQ
We've answered common questions about home insurance in Athens to help you understand your options.
Who offers the best home insurance in Athens?
We recommend Chubb as the best home insurance provider in Athens for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from State Farm, Travelers, Nationwide and Farmers.
Who has the cheapest home insurance in Athens?
Chubb offers the most affordable home insurance for the average homeowner, with prices around $189 per month or $2,271 annually. Individual rates may differ based on your home features and insurance coverage needs.
What does home insurance cost in Athens?
Home insurance costs in Athens range from $2,017 to $16,941 per year, with rates influenced by specific property details and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Athens
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Athens. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.