The average rate of home insurance in Atlanta is $1,861 a year, but we found rates as cheap as $919. When choosing a home insurance policy, however, you should consider other factors than price. With this in mind, here's the information you need to find the best home insurance in Atlanta for your unique needs.
In this article
Cheapest home insurance companies in Atlanta
Our research of the top home insurance companies in Atlanta shows that Farmers offers the cheapest average rate for home insurance at $1,433 a year, followed by Nationwide at $1,635 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $1,993 |
| ASI | $1,647 |
| Chubb | $1,839 |
| Cincinnati Insurance Co. | $1,731 |
| Country Mutual Insurance Co. | $2,172 |
| Farmers | $1,433 |
| Georgia Farm Bureau | $2,143 |
| Nationwide | $1,635 |
| State Farm | $2,112 |
| Travelers | $1,978 |
| USAA | $1,793 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in Atlanta?
Homeowners in Atlanta pay an average of $1,861 annually, or $155 a month, for home insurance. Insurance companies look at several factors when providing a quote, including:
- Claim history
- Age and condition of your home
- Location of your home
One way to lower your annual premium is by choosing a higher deductible. If you do pick a high deductible, you will need to make sure you have the deductible amount ready when you file a claim. Here's what you can expect as a deductible for various average annual premiums:
| Deductible | Average annual premium |
|---|---|
| $500 | $2,012 |
| $1,000 | $1,861 |
| $1,500 | $1,800 |
| $2,000 | $1,665 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you choose to increase your deductible from $1,000 to $2,000, you would need to remain claim free for six years to save money.
Atlanta's best home insurance companies
State Farm, USAA and Nationwide have the best customer service ratings, coverages and premiums among Atlanta's home insurance providers.
Best overall: Nationwide
Nationwide offers affordable home insurance rates in Atlanta while also offering great coverage. Nationwide's average annual rate of $1,635 is 13% lower than the citywide average home insurance rate. Along with affordable rates, Nationwide includes credit card coverage and ordinance or law insurance in its standard home insurance policy. If your home is damaged from a covered loss, ordinance insurance can help rebuild your home to current building codes. Nationwide also offers a variety of optional coverages, including water backup coverage, which protects your home if water backs up through your sewer or your sump pump overflows.
Nationwide received an A+ rating from AM Best. This score shows that Nationwide has a superior ability to meet its obligations to policyholders.
Best customer service: State Farm and USAA
When deciding between home insurance companies, it's important to compare customer service. Among the companies in our study, USAA and State Farm have the best satisfaction scores from J.D. Power's home insurance study. USAA only offers home insurance to military personnel and veterans as well as their families. If you don't qualify for USAA's home insurance policy, then State Farm also has great customer service.
J.D. Power ranks companies' customer satisfaction based on a 1,000-point score. Their ratings take into account insurance companies' interaction with customers, coverages, premiums, billing processes and claims processes.
| Company | 2021 J.D. Power overall satisfaction (higher is better)** |
|---|---|
| Allstate | 829 |
| ASI | 821 |
| Chubb | 801 |
| Cincinnati Insurance Co. | - |
| Country Mutual Insurance Co. | 830 |
| Farmers | 813 |
| Georgia Farm Bureau | - |
| Nationwide | 812 |
| State Farm | 835 |
| Travelers | 800 |
| USAA | 882 |
| Source: J.D. Power 2021 U.S. Home Insurance Study. | |
Best discounts: Allstate
Home insurance companies offer different types of discounts, so you may save more with certain companies than you do with others. Allstate offers many ways to save and great savings.
For example, if you switch your home insurance policy to Allstate, you can save up to 10% — 20% if you don't have any recent claims on your home. And bundling your home and auto insurance with the company can save you up to 25%. Taking advantage of any of these discounts may significantly lower your premium.
Compare quotes to find the best home insurance
Flood insurance in Atlanta
Atlanta is prone to flooding, and you can be required to purchase flood insurance if you live in a high-risk flood zone and have a mortgage. Many flood insurance policies are provided by the National Flood Insurance Program (NFIP) and administered by the Federal Emergency Management Agency (FEMA), but you can also purchase flood insurance through private companies. The average cost of NFIP flood insurance in Georgia is $740 a year, or $62 a month. Your premium may be lower if you live in a low-risk flood area. You can check FEMA's flood map to find the flood risk of your house.
Methodology
We obtained quotes for a standard HO-3 homeowners insurance policy on a typical home in Atlanta. Unless otherwise noted, standard policies included the following limits and deductibles:
- Dwelling coverage: $275,000
- Other structures: $27,500
- Personal property: $137,500
- Loss of use: $55,000
- Liability: $100,000
- Medical payments: $5,000
Car insurance by city
- Atlanta
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