Georgia homeowners pay less than the national average for insurance, making it one of the more affordable states for coverage. Understanding local cost factors and comparison shopping helps you secure the best rates for your property.
Average Home Insurance Cost in Georgia
Updated: January 7, 2026
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Key Takeaways: Georgia Home Insurance Rates
Georgia home insurance costs average $188 monthly or $2,258 annually, ranking as the 26th most affordable state for homeowners coverage.
Determine your coverage needs, research providers and gather multiple quotes to find the best home insurance in Georgia at competitive rates.
MoneyGeek's free home insurance calculator below estimates your costs in seconds without requiring any personal information.
How Much Is Home Insurance in Georgia?
The average home insurance premium in Georgia is $188 monthly or $2,258 annually. Georgia residents save $101 per month compared to the national average, making it 35% more affordable than typical rates. This places Georgia as the 26th most expensive state for home insurance coverage.
| Georgia | $2,258 | $3,467 | -35% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Jan 30, 2026
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What Affects Average Georgia Home Insurance Costs?
Home insurance costs in Georgia vary based on multiple factors. Your location, coverage limits, home's construction materials, insurance company, credit score and previous claims all play a role in determining your premium. Let's examine how each of these elements specifically impacts what you'll pay for coverage.
Average Georgia Home Insurance Cost by City
Home insurance costs differ across Georgia cities. Local factors like property values, housing age, and weather risks create premium variations that may vary substantially between locations. Your specific city's characteristics directly determine what you'll pay for coverage.
| Athens | $160 | $1,917 |
| Atlanta | $181 | $2,172 |
| Augusta | $177 | $2,120 |
| Columbus | $193 | $2,316 |
| Macon | $180 | $2,162 |
| Mcdonough | $176 | $2,116 |
| Newnan | $181 | $2,172 |
| Savannah | $280 | $3,355 |
| Valdosta | $178 | $2,131 |
| Waleska | $172 | $2,059 |
| Warner Robins | $172 | $2,069 |
Average Georgia Homeowners Insurance Pricing by Coverage Level
Coverage decisions create a six-fold price difference for Georgia homeowners. The cheapest policies provide $100,000 dwelling protection for $1,243 yearly, while $1 million in dwelling coverage costs $7,831. Most Georgia homeowners land somewhere in the middle with $250,000 coverage at $2,258 annually.
| $100K Dwelling / $50K Personal Property / $100K Liability | $104 | $1,243 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $188 | $2,258 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $341 | $4,092 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $495 | $5,943 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $653 | $7,831 |
Average Cost of Georgia Home Insurance by Company
Shopping around matters in Georgia's home insurance market. Some homeowners pay $1,640 with Auto-Owners while others shell out $2,761 at Farmers for comparable protection. That's a 68% price gap driven entirely by carrier selection.
| Auto-Owners Insurance | $137 | $1,640 |
| USAA | $161 | $1,930 |
| Travelers | $165 | $1,981 |
| Allstate | $176 | $2,112 |
| Chubb | $201 | $2,411 |
| Nationwide | $214 | $2,569 |
| State Farm | $221 | $2,656 |
| Farmers | $230 | $2,761 |
Average Georgia Home Insurance Cost by Credit Score
Georgia insurers penalize bad credit heavily. Excellent credit earns you $1,443 annual premiums, good credit pays $2,258, below fair jumps to $3,052 and poor credit hits $5,044. Your credit score matters more than almost any other rating factor.
| Excellent | $120 | $1,443 |
| Good | $188 | $2,258 |
| Below Fair | $254 | $3,052 |
| Poor | $420 | $5,044 |
Georgia Homeowners Insurance Costs by House Age
When your home was built matters a lot for Georgia insurance rates. A 2020 property costs $1,689 to insure. Build that same house in 2000 and you're looking at $2,258. Go back to the 1980s? You'll pay $2,290 every year. Older homes can add anywhere from $30 to $600 to your bill.
| Newer | $141 | $1,689 |
| Middle Age | $188 | $2,258 |
| Older | $191 | $2,290 |
Why Is Home Insurance So Affordable in Georgia?
Georgia home insurance costs land 35% below the national average at $2,258 per year, making it the 26th most affordable state. A few things unique to Georgia keep these rates competitive.
Competitive Insurance Market
Georgia maintains a robust insurance marketplace with numerous carriers competing for customers. The National Association of Insurance Commissioners reports over 1,767 licensed property insurers operating statewide as of 2024, creating pricing competition that benefits consumers. This competitive environment prevents any single insurer from dominating the market and artificially inflating rates.
Lower Catastrophic Risk Exposure
Georgia sees fewer large-scale disasters than many high-cost coastal states. Although hurricanes and tornadoes do occur, the state does not experience the same volume of billion-dollar weather events seen in places like Florida, Louisiana and California. With less exposure to extreme losses, insurers are able to price home insurance more competitively across Georgia.
Competitive Insurance Market
Georgia's robust insurance marketplace features numerous carriers competing for customers. This competition prevents any single insurer from dominating the market and artificially inflating rates. Multiple insurers actively writing policies in Georgia creates pricing pressure that benefits consumers through lower premiums and better coverage options across the state.
Tips to Save on Georgia Home Insurance
Georgia home insurance costs continue climbing, making it essential to find the cheapest home insurance in Georgia for your budget. These proven strategies help you secure affordable coverage and reduce your current premiums effectively.
- 1Calculate Coverage Needs
Base your coverage on reconstruction cost, not market value, since these figures differ by thousands of dollars. Atlanta homeowners might need scheduled personal property coverage for electronics or jewelry, while Savannah properties require flood endorsements due to coastal exposure. Document your belongings and understand what it would actually cost to rebuild your specific home at today's construction prices.
- 2Research Rates and Discounts
MoneyGeek's calculator gives you baseline estimates for Georgia properties. From there, contact insurers directly about discount programs. Security systems, claim-free histories, newer roofs and bundling all reduce premiums, but you remember to inquire, as companies won't automatically apply every available discount.
- 3Compare Multiple Providers
Gather proposals from at least three carriers, and weigh more than just premium costs. Review state complaint data, J.D. Power ratings and AM Best financial stability scores. Brunswick and other coastal communities particularly need insurers with proven claims handling during major storms, not just attractive pricing.
- 4Bundle Your Policies
Consolidate home and auto policies with a single insurer for bundling discounts averaging 10% to 25% in Georgia. Metro areas like Augusta generate larger savings when multiple vehicles and higher dwelling values combine, often reducing total insurance spending by several hundred dollars yearly.
- 5Lower Your Risk Profile
Install monitored security, upgrade to impact-resistant roofing, or add storm shutters; each of which earns immediate rate reductions. Maintain excellent credit and avoid filing small claims. Georgia homeowners save $359 to $661 yearly by keeping claims histories clean, and credit improvement from below fair to good cuts premiums by 26%.
Calculate Georgia Homeowners Insurance Costs: FAQ
Georgia homeowners insurance costs depend on multiple factors specific to your property and location. The FAQs below address common questions about home insurance expenses and help you understand what affects your premiums.
How much will my premium increase after filing a claim in Georgia?
Filing a claim in Georgia increases your homeowners insurance premium by $359 for one claim and $662 for two claims compared to claim-free customers. Georgia homeowners without claims pay $2,258 annually on average. One claim raises your rate to $2,617 per year. Two claims bump your annual premium to $2,919. Claims stay on your record for five years, meaning those higher rates can apply for the entire period.
How much can I save by choosing a different insurer in Georgia?
Shopping around for home insurance in Georgia can save you thousands of dollars annually. The price differences between insurers are substantial, with Auto-Owners offering the most affordable rates at $137 per month while Farmers charges $230 monthly for similar coverage.
Mid-range providers show substantial cost variations too. Allstate averages $176 monthly compared to Chubb's $201, creating a $25 monthly difference. Compare quotes from at least three insurers to find the best rate for your situation.
Does Georgia require homeowners insurance by law?
Georgia doesn't mandate homeowners insurance by law, but mortgage lenders require it as a loan condition. If you own your home outright without a mortgage, you're not legally required to carry coverage, though doing so protects your largest financial asset from catastrophic loss.
Will my Georgia home insurance cover damage from falling trees?
Homeowners insurance in Georgia often covers falling tree damage to your dwelling and other structures if the tree falls due to wind, lightning or other covered perils. However, coverage excludes damage from trees that fell due to homeowner negligence, such as failing to remove a clearly dead or diseased tree that posed an obvious hazard.
How can I lower my home insurance costs in Georgia?
You can lower your Georgia home insurance costs using several effective strategies. Shopping around is crucial since rates can vary by thousands of dollars between insurers for identical coverage. Maintaining a claim-free record delivers annual savings of $359 compared to filing one claim, or $662 versus filing two claims over five years.
Raising your deductible from $500 to $1,000 reduces your premium by $164 annually. While you'll pay more upfront when filing a claim, these yearly savings accumulate substantially over time.
Contact insurers about available discounts for bundling multiple policies, installing security systems, or owning newer homes. Even modest discounts can meaningfully reduce your annual premium costs in Georgia's competitive insurance market.
How We Analyzed Georgia Home Insurance Rates
MoneyGeek calculated Georgia home insurance estimates using real rate data from multiple insurers. This approach shows how specific factors affect what you actually pay for coverage.
We built our analysis around a standard Georgia homeowner profile: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, and a $1,000 deductible. The model assumes a home built in 2000 with frame construction, a composition roof and no claims filed in the past five years.
These specifications match typical Georgia homeowners and create reliable comparisons. The $250,000 dwelling amount aligns with median home values across many Georgia markets. The 2000 construction year represents the most common home age category statewide.
Our testing method changed one factor while keeping everything else the same. For example, when studying how home age affects rates, we compared houses built in 1980, 2000, and 2020 using identical coverage and homeowner details. This isolates how much each variable actually matters.
Your actual premiums will differ based on your home's construction, roof condition, age, location, coverage amounts, claims history, credit score and chosen insurer. The rate differences shown here demonstrate how much these factors can change your costs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- National Association of Insurance Commissioners (NAIC). "State Insurance Regulation: Key Facts and Market Trends Georgia (2022)." Accessed January 30, 2026.