Average Home Insurance Cost in Georgia

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.

*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.

Your city affects home insurance costs through risk factors like property age, weather patterns and home values. For example, Athens-Clarke averages $150 monthly while Savannah reaches $283.

*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.

Home insurance is expensive in Georgia because of rising claims, high weather risks, increasing material and labor costs and state insurance laws. Each factor plays a distinct role in driving up premiums.

Georgia home insurance pricing depends on 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.

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.

Coverage choices rank second in Georgia home insurance rates, ranging from $1,054 to $7,753 annually. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.

Home details like age, construction materials and roof type rank third in Georgia homeowners insurance rates, ranging from $97 to $179 monthly. These factors affect replacement costs and damage or theft risk.

A higher credit score lowers your home insurance costs by showing you're more reliable. Premiums vary by up to 140%, with annual rates ranging from $1,675 to $10,706.as a smaller impact on homeowners insurance premiums than other facto

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.

Claims history has a smaller impact on Georgia homeowners insurance premiums than other factors, affecting rates by up to 15% or about $750 annually. More claims mean higher perceived risk and higher premiums.

High home insurance costs in Georgia make saving on premiums crucial. Whether you're buying a home or cutting expenses, these tips help you secure the cheapest home insurance in Georgia.

Home insurance costs depend on location and coverage level most. Research your needs and average prices, then use our estimate tool to find the best deal.

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.

Georgia homeowners need accurate cost estimates that reflect real-world pricing. We created a baseline profile representing a typical Georgia home to show how different factors affect premiums.

Sample Profile Details

Our baseline estimate uses these specifications:

• $250,000 dwelling coverage
• $125,000 personal property coverage
• $200,000 liability coverage
• $1,000 deductible
• Home built in 2000
• Frame construction
• Composition roof
• No claims in the past 5+ years
• Fire protection level of 3

Why These Numbers Matter

Your actual rates vary based on coverage level, provider, home age, construction details, credit and claims history. All comparisons in this article assume a home built in 2000 to show how other factors change your costs while keeping the baseline consistent.