Best Homeowners Insurance in Georgia (2022)

Progressive offers the cheapest home insurance in the state, followed by Nationwide and Cincinnati Insurance.

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Progressive offers the cheapest home insurance in Georgia, with rates averaging $113 a month, but prices vary across the state. For example, Farmers offers the lowest rate in Atlanta, and Allstate is cheapest in Savannah. Here’s what you need to know about finding the best homeowners insurance in Georgia at the best price.

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How much is homeowners insurance in Georgia?

The average cost of homeowners insurance in Georgia is $1,875 a year, or $156 a month. This is the 20th highest rate among U.S. states and 6% more than the average national rate of $146 a month.

Since home insurance can be expensive, it’s important to compare quotes from multiple companies when you shop. Though each company uses its own formula to determine your rate, most review the following factors:

  • The age, construction features and location of your home.
  • Any potential risks on your property, such as a pool, trampoline and maintenance issues.
  • Your credit and insurance history.
  • Potential discounts you are eligible to receive, including those you can get by bundling your home insurance with an auto policy and/or any other coverage.

Depending on your circumstances, you may qualify for a significantly better rate with one company than you do with others.

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Which are the cheapest home insurance companies in Georgia?

Progressive and Nationwide offer the cheapest home insurance in Georgia, with statewide rates averaging $113 and $130 a month, respectively, based on our analysis of quotes from every ZIP code in the state.

Average homeowners insurance rates in Georgia
Company Annual Monthly
Progressive $1,352 $113
Nationwide $1,558 $130
Cincinnati Insurance $1,616 $135
Farmers $1,675 $140
Country Financial $1,786 $149
USAA $1,787 $149
State average $1,875 $156
Chubb $1,981 $165
Allstate $2,044 $170
Georgia Farm Bureau $2,147 $179
State Farm $2,262 $189
Travelers $2,421 $202
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Which are the best homeowners insurance companies in Georgia?

The best homeowners insurance companies in Georgia offer a combination of low prices and responsive customer service. Everyone wants a low rate, but you also need your insurance company to provide the right coverage and live up to its financial commitments if you ever have to file a claim.

Best customer service: USAA and Cincinnati Insurance

Among Georgia’s leading home insurance companies, USAA has the best overall satisfaction ranking from J.D. Power, and Cincinnati insurance has the lowest complaint frequency with the National Association of Insurance Commissioners (NAIC).

J.D. Power’s satisfaction ranking index is based on customer surveys rating insurance companies on interaction, policy offerings, price, billing process, policy information and claims.

On a 1,000-point scale, USAA leads all companies nationwide with a score of 893. USAA is only available to members of the military community.

Among the rest of the companies in our analysis, State Farm has the next-best score, 866, followed by Travelers, 835, and Country Financial, 830. Cincinnati Insurance and Georgia Farm Bureau are not included.

The average satisfaction ranking for homeowners insurance companies is 825.

Satisfaction scores for Georgia homeowners insurance companies
Company Overall satisfaction index ranking
USAA 893
State Farm 866
Travelers 835
Country Financial 830
Allstate 829
Segment average 825
Progressive 821
Farmers 813
Nationwide 812
Chubb 801
Cincinnati Insurance Not included
Georgia Farm Bureau Not included
Source: J.D. Power 2021 U.S. Home Insurance Study.

The NAIC Complaint Index compares insurance companies by confirmed complaints. A confirmed complaint is one that leads to a finding of fault by the insurance commissioner in the state in which it is filed.

The National Complaint Index is 1.0. A company with a 2.0 Complaint Index has twice as many confirmed complaints as expected for a company of its size, while a company with a 0.5 Complaint Index has half as many.

Of the companies in our analysis, Cincinnati Insurance has the lowest, or best, Complaint Index, 0.26, followed by Country Financial, 0.29, USAA 0.42, and Travelers, also 0.42.

Complaint Index ratings for Georgia home insurance companies
Company Complaint Index
Cincinnati Insurance 0.26
Country Financial 0.29
USAA 0.42
Travelers 0.42
Nationwide 0.45
Farmers 0.55
Chubb 0.63
Georgia Farm Bureau 0.66
Progressive 0.7
Standard 1.0
State Farm 1.01
Allstate 1.11
Source: National Association of Insurance Commissioners, based on 2021 data.

Best overall home insurance company: Cincinnati Insurance

A combination of low rates, a strong Complaint Index and flexible product offerings make Cincinnati Insurance the best homeowners insurance company in Georgia.

For homeowners, Cincinnati Insurance’s Executive Homeowner Policy offers standard coverage, and its optional endorsements allow you to tailor your coverage with additional protections.

Cincinnati Insurance’s Homeowners Plus endorsement, for example, includes an upgrade to replacement cost coverage of your personal items. With replacement cost coverage, the insurance company replaces eligible items with new ones, with no reduction for depreciation.

Best for saving money: Progressive

In addition to offering the lowest average rate statewide, Progressive offers the lowest rates in August, Macon and Athens. Progressive’s car insurance rates also tend to be low, and you can often compound your savings by bundling your home and auto insurance with Progressive.

The NAIC Complaint Index shows that Progressive has fewer confirmed homeowners insurance complaints than expected for a company of its size. However, Progressive’s overall satisfaction ranking from J.D. Power is below the segment average, which is a cause for concern.

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Which are the cheapest home insurance companies by city in Georgia?

Among Georgia’s largest cities, the average cost of home insurance ranges from $130 a month in Athens to $183 a month in Savannah, and the cheapest carriers in each vary by city.

Home insurance rates in Georgia’s largest cities
City Annual Monthly
Athens $1,559 $130
Atlanta $1,861 $155
Augusta $2,009 $167
Columbus $1,979 $165
Macon $1,897 $158
Sandy Springs $1,688 $141
Savannah $2,193 $183
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Athens

In Athens, Progressive offers the cheapest home insurance, $80 a month, followed by Cincinnati Insurance, $101 a month, and Farmers, $102 a month.

Home insurance rates in Athens
Company Annual Monthly
Progressive $960 $80
Cincinnati Insurance $1,211 $101
Farmers $1,226 $102
USAA $1,496 $125
Allstate $1,546 $129
City average $1,559 $130
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Atlanta

Farmers offers the cheapest home insurance in Atlanta, with rates averaging $119 a month. The next best rates are available from Nationwide, $136 a month, and Progressive, $137 a month.

Home insurance rates in Atlanta
Company Annual Monthly
Farmers $1,433 $119
Nationwide $1,635 $136
Progressive $1,647 $137
Cincinnati Insurance $1,731 $144
USAA $1,793 $149
City average $1,861 $155
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Augusta

Progessive offers the cheapest homeowners insurance in Augusta, $121 a month, followed by Nationwide, $124 a month, and Cincinnati Insurance, $133 a month.

Home insurance rates in Augusta
Company Annual Monthly
Progressive $1,450 $121
Nationwide $1,486 $124
Cincinnati Insurance $1,593 $133
USAA $1,667 $139
Farmers $1,689 $141
City average $2,009 $167
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Columbus

Farmers offers the cheapest home insurance in Columbus, $110 a month, followed by Cincinnati Insurance, $115 a month, and Nationwide, $137 a month.

Home insurance rates in Columbus
Company Annual Monthly
Farmers $1,314 $110
Cincinnati Insurance $1,384 $115
Nationwide $1,638 $137
USAA $1,768 $147
Progressive $1,810 $151
City average $1,979 $165
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Macon

Progressive offers the cheapest home insurance in Macon, $107 a month, followed by Chubb, $132 a month, and Nationwide, $134 a month.

Home insurance rates in Macon
Company Annual Monthly
Progressive $1,285 $107
Chubb $1,589 $132
Nationwide $1,605 $134
USAA $1,639 $137
Cincinnati Insurance $1,645 $137
City average $1,897 $158
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Sandy Springs

In Sandy Springs, Farmers offers the cheapest home insurance, $87 a month, followed by Cincinnati Insurance, $101 a month, and Progressive, $113 a month.

Home insurance rates in Sandy Springs
Company Annual Monthly
Farmers $1,050 $87
Cincinnati Insurance $1,207 $101
Progressive $1,359 $113
Nationwide $1,631 $136
City average $1,688 $141
Allstate $1,732 $144
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Savannah

Allstate offers the cheapest home insurance in Savannah, $105 a month, followed by Country Financial, $110 a month, and Chubb, $113 a month.

Home insurance rates in Savannah
Company Annual Monthly
Allstate $1,261 $105
Country Financial $1,320 $110
Chubb $1,352 $113
Progressive $1,629 $136
State Farm $1,740 $145
City average $2,193 $183
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Do I need flood insurance in Georgia?

Thunderstorms and extreme coastal weather leave many areas across Georgia susceptible to flooding, and lenders typically require flood insurance for homes in federally designated high-risk flood zones.

You can check online to find the flood risk of your home or a home you'd like to buy. Just visit the Federal Emergency Management Agency (FEMA) website and follow the links to the Flood Map Service Center. Any zone that begins with the letter A or V is considered high-risk.

Flood insurance is available through the FEMA-managed National Flood Insurance Program (NFIP) and from private insurance companies. The average cost of NFIP flood insurance in Georgia is $740 a year, or $62 a month.

Since homeowners insurance does not cover flood damage and about one in five flood insurance claims come from outside high-risk areas, flood insurance is worth considering in many situations when it’s not lender required.

Frequently asked questions about home insurance in Georgia

How much is homeowners insurance in Georgia?

The average cost of homeowners insurance in Georgia is $1,875 a year, or $156 a month. Among Georgia’s largest cities, average prices range from $130 a month in Athens to $183 a month in Savannah.

Is homeowners insurance required in Georgia?

Homeowners insurance is not legally required in Georgia. However, if you have a mortgage, your lender is likely to require it, with specified minimum coverage limits.

Who has the best homeowners insurance rates in Georgia?

Progressive offers the best average homeowners insurance rate statewide in Georgia, $113 a month, and the lowest average rates in Athens, Augusta and Macon. Farmers is cheapest in Atlanta, Columbus and Sandy Springs. Allstate offers the best average rate in Savannah.

Methodology

We obtained quotes for a standard HO-3 homeowners insurance policy on a typical home in every ZIP code in Georgia. 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
  • Deductible: $1,000

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