In Valdosta, Chubb offers the best home insurance, balancing affordability, customer service and coverage options. If you're prioritizing price, Chubb also provides the lowest premium at $265 per month.
Cheap Home Insurance in Valdosta
Updated: June 18, 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: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 | $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.
- 1
Decide on Coverage Beforehand
Knowing your home insurance coverage needs before you shop helps you compare quotes and avoid buying more coverage than necessary.
- 2
Research Cost and Discounts
Research average home insurance costs in Georgia for your city and home profile. Look for discounts you qualify for, then focus on companies that offer those savings.
- 3
Compare 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.
- 4
Compare 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. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
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?
Home insurance in Valdosta ranges from $2,290 to $21,185 annually, depending on property specifics and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Valdosta
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Valdosta. 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.