Auto-Owners Insurance is the cheapest home insurance option for most homeowners in Georgia, with an average monthly savings of $365. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Georgia
Updated: May 27, 2025
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Key Takeaways
Auto-Owners and Travelers offer the lowest-cost home insurance in Georgia overall, with potential savings of up to 80%.
If you own a new home or have bad credit, Auto-Owners offers the cheapest homeowners insurance in Georgia.
Auto-Owners offers the most affordable home coverage for those in high-risk fire areas in Georgia.
What is the Cheapest Home Insurance in Georgia?
| Auto-Owners Insurance | $134 | $1,611 | 24% |
| Travelers | $158 | $1,896 | 10% |
| Allstate | $165 | $1,983 | 6% |
| Chubb | $180 | $2,165 | -3% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Georgia, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Georgia, providing a more comprehensive overview.
Cheapest Georgia Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Auto-Owners Insurance is typically the cheapest overall, it offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| Auto-Owners Insurance | Older Homes | $134 |
| Auto-Owners Insurance | Newer Homes | $90 |
| Auto-Owners Insurance | Homes in High Risk Fire Areas | $133 |
| Travelers | Bad Credit | $250 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Georgia Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| Auto-Owners Insurance | $132 | $1,587 |
| Chubb | $180 | $2,165 |
| Allstate | $188 | $2,255 |
| Travelers | $202 | $2,422 |
| State Farm | $212 | $2,539 |
Cheapest Georgia Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. For example, Auto-Owners Insurance is the cheapest in most cities, while Travelers and Allstate offer lower rates in places like Columbus, Sandy Springs, and Savannah.
| Athens-Clarke | Auto-Owners Insurance | $123 |
| Atlanta | Auto-Owners Insurance | $143 |
| Augusta-Richmond | Auto-Owners Insurance | $136 |
| Columbus | Travelers | $145 |
| Macon-Bibb | Auto-Owners Insurance | $150 |
| Sandy Springs | Travelers | $128 |
| Savannah | Allstate | $209 |
| Valdosta | Auto-Owners Insurance | $147 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Georgia Home Insurance for You
Finding affordable home insurance in Georgia can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
Having your coverage limits in mind before buying can keep you from being oversold on coverage. Make sure you determine your home insurance coverage needs beforehand and understand the types of home insurance coverage to get what you need.
- 2
Research home insurance cost information
Compare home insurance costs in Georgia to establish good value for your property protection. Make certain to discuss all potential discounts because insurance companies expect policyholders to ask about these cost-saving opportunities.
- 4
Compare multiple companies apples to apples
Once you know your coverage levels and type, compare quotes from different companies for that coverage to get the best deal. We recommend gathering as many quotes as possible using different methods to get your best rate.
- 5
Use state-provided programs
If you have a high-risk profile and face coverage denials or unaffordable rates, Georgia offers a state program through the Georgia Underwriting Association (Georgia FAIR Plan). This program provides coverage for those denied by traditional insurers, often at a lower cost than insurers willing to approve you.
Cheap Home Insurance Georgia: Bottom Line
Auto-Owners Insurance, Travelers, and Allstate offer Georgia's most affordable home insurance, no matter your situation. Denied coverage? State programs can help with low-cost policies. Remember to compare different insurers, look into costs, and understand what coverage you need before choosing.
Cheapest Home Insurance Georgia: FAQ
Below are answers to frequently asked questions about the cheapest home insurance in Georgia.
What is the cheapest home insurance company in Georgia?
Auto-Owners Insurance offers the lowest rates for newer homes in Georgia at $90 per month or $1075 per year. However, homeowners with older properties or higher fire protection needs may find better rates with Auto-Owners Insurance.
How expensive is home insurance in Georgia?
Georgia has the 32nd-highest home insurance rates in the U.S.
How much is home insurance in Georgia?
You need enough home insurance to cover the complete replacement of your house, along with your personal possessions, and protection against specific local risks.
While not legally mandatory without a mortgage, mortgage providers will require adequate insurance for home replacement costs. Ensure your policy covers treasured belongings and accounts for local hazards.
How much home insurance do I need?
You need enough home insurance to cover the complete replacement of your house, along with your personal possessions, and protection against specific local risks.
While not legally mandatory without a mortgage, mortgage providers will require adequate insurance for home replacement costs. Ensure your policy covers treasured belongings and accounts for local hazards.
How We Found the Cheapest Home Insurance Companies in Georgia
To determine the cheapest home insurance companies in Georgia, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.