In Valdosta, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. If you're looking for cheap home insurance, Chubb also provides the lowest premium at $265 per month.
Cheap Home Insurance in Valdosta
Updated: December 1, 2025
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Key Takeaways
For homeowners in Valdosta, Chubb provides the best overall value and offers the most affordable coverage at $3,177 annually.
Home insurance in Valdosta costs an average of $480 per month or $5,756 per year.
To find the best and cheapest home insurance in Valdosta, determine your coverage needs, research insurers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Valdosta
| Chubb | 99 | $265 | $3,177 |
| State Farm | 90 | $266 | $3,195 |
| Nationwide | 81 | $309 | $3,702 |
| Travelers | 78 | $335 | $4,014 |
| Farmers | 76 | $356 | $4,275 |
*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 Valdosta Home Insurance Cost?
Home insurance rates in Valdosta vary by personal profile, coverage and home details. Costs range from $191 to $1,765 monthly. Explore the table below for rates tailored to your home's age and coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $191 | $2,290 |
How to Get the Best Cheap Home Insurance in Valdosta
Finding affordable home insurance in Valdosta can be challenging. We've created a step-by-step guide to help you secure the best cheap homeowners insurance that fits your needs and budget.
- 1Decide on Coverage Beforehand
Knowing your home insurance coverage needs before you shop helps you compare quotes and avoid buying more coverage than necessary.
- 2Research Cost and Discounts
Research average home insurance costs in Georgia for your city and home profile. Reviewing the best homeowners insurance in Georgia can help you see which companies perform best statewide on affordability and claims handling, which you can use when comparing quotes locally in Valdosta.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Valdosta: Bottom Line
The top three best and cheapest home insurance providers in Valdosta are Chubb, State Farm and Nationwide. To get a clearer sense of pricing across Georgia, our breakdown of cheap homeowners insurance in Georgia compares costs, coverage options and discounts available statewide.
Valdosta Home Insurance: FAQ
We've answered common home insurance questions for residents of Valdosta.
Who offers the best home insurance in Valdosta?
We recommend Chubb as the best home insurance provider in Valdosta for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from State Farm, Nationwide, Travelers and Farmers.
Who has the cheapest home insurance in Valdosta?
Chubb offers the most affordable home insurance for the average homeowner, costing about $265 per month or $3,177 yearly. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Valdosta?
Valdosta homeowners pay between $2,290 and $21,185 annually for home insurance. Your actual cost depends on your home's value, age, condition and the coverage limits you choose.
How We Decided the Best Cheap Home Insurance Companies in Valdosta
MoneyGeek analyzed premiums from 10 insurance companies serving Valdosta homeowners. Quadrant provided the pricing data, and J.D. Power surveys supplied customer satisfaction ratings.
Our base comparison used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $100,000 personal property protection and $100,000 liability coverage. All policies included a $1,000 deductible.
We gathered additional quotes for new construction homes, higher coverage limits, increased deductibles and homeowners with 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.