Home insurance in Georgia costs about $176 monthly or $2,111 annually on average. Residents pay $44 less per month, or $524 less annually, than the national average, making it the 26th most affordable in the country.
Average Home Insurance Cost in Georgia
Updated: May 31, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Georgia range from $2,034 to $30,603 per year, depending on various factors.
Georgia's home insurance premiums are the 26th most affordable in the country, at 20% below the national average.
To find the best home insurance in Georgia, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much is Home Insurance in Georgia?
| Georgia Average | $176 | $2,111 | -20% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Average Home Insurance Cost By City
Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Athens-Clarke is around $150; in Savannah, it’s much higher at $283.
| Athens-Clarke | $150 | $1,799 |
| Atlanta | $180 | $2,160 |
| Augusta-Richmond | $172 | $2,062 |
| Columbus | $184 | $2,208 |
| Macon-Bibb | $174 | $2,089 |
| Sandy Springs | $160 | $1,914 |
| Savannah | $283 | $3,391 |
| Valdosta | $178 | $2,135 |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Georgia?
Home insurance is expensive in Georgia because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail.
Rising Claims
Increased frequency or cost of claims within a region signals higher risk to insurers. Consequently, they may raise premiums to offset potential losses from future claims.
High Weather Risks
Areas prone to severe weather events, like hurricanes or wildfires, are at greater risk for damage. Insurers adjust home insurance rates upward to cover the anticipated claim costs from these risks.
Rising Material and Labor Costs
When the costs to repair or rebuild homes increase due to higher prices for materials and labor, insurance companies may raise premiums to ensure coverage limits are adequate.
State Insurance Laws
State-specific insurance regulations can affect how insurers calculate premiums. Stricter requirements or changes in the law can lead to increased costs for insurance providers, which may be passed on to consumers.
What Affects Georgia Home Insurance Costs?
Like for most home insurance companies, regardless of state, pricing is mostly affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We've highlighted below how much each factor affects rates specific to Georgia.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Georgia, with rates varying by up to 61%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Georgia State Remnant Tier Aggregate | $151 | $1,811 |
| Highest | Savannah | $301 | $3,608 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Georgia home insurance rates, averaging from $1,054 to $7,753 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $88 | $1,054 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $646 | $7,753 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Georgia homeowners insurance rates, averaging from $97 to $179 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $97 | $1,160 |
| Highest | Old | Frame | Shake-Treated | $179 | $2,147 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Georgia home insurance rates, with prices ranging from 23% below to 21% above the state average.
| Lowest | Auto-Owners Insurance | $134 | $1,611 |
| Highest | State Farm | $212 | $2,539 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 140%, with annual average rates ranging from $1,675 to $10,706.
| Lowest | Excellent | $140 | $1,675 |
| Highest | Poor | $892 | $10,706 |
How Much Does Claims History Affect Home Insurance Costs?
In Georgia, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 15% or about $750 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $175 | $2,095 |
| Highest | 2 claims in past 5 years | $237 | $2,844 |
Tips to Save on Georgia Home Insurance
With high home insurance costs in Georgia, finding ways to save on premiums is important. Whether you're buying a home or cutting expenses, here are tips to secure the best and cheapest home insurance in Georgia.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To know whether you’re actually getting a good deal, you’ll need to understand average costs for you and your home specifically. Also, be sure to ask about all home insurance discounts with agents since insurers are not required to apply some of their reductions unless you ask them for home policies.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in Georgia can help you save on both policies annually.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Additionally, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Explore state programs that help secure affordable coverage if you’re denied traditional home insurance. For instance, Georgia offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Georgia Home Insurance Calculator: Bottom Line
Home insurance costs depend on several factors, with location and coverage level being the most important. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.
Homeowners Insurance Calculator Georgia: FAQ
The cost of homeowners insurance in Georgia depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Georgia?
Georgia's average monthly home insurance cost is $176 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Georgia Home Insurance Estimates
When determining the average cost of home insurance in Georgia, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.