Key Takeaways
- Progressive has the cheapest home insurance in Georgia, with rates averaging $123 a month.
- Country Financial and Cincinnati Insurance offer the best customer service of Georgia’s home insurance companies.
- The average cost of home insurance in Georgia is slightly higher than the national average.
In this article
The cheapest home insurance providers in Georgia
Progressive is the cheapest homeowners insurance company in Georgia, charging an average annual premium of $1,472.
Cincinnati Insurance, Farmers and Nationwide also offer affordable home insurance to Georgia residents, according to our survey of the state’s top providers.
| Insurance company | Annual premium |
|---|---|
| Progressive | $1,472 |
| Cincinnati Insurance | $1,692 |
| Farmers | $1,699 |
| Nationwide | $1,700 |
| Country Financial | $1,899 |
| USAA* | $1,908 |
| State average | $1,979 |
| Allstate* | $2,058 |
| Georgia Farm Bureau | $2,147 |
| Chubb | $2,182 |
| State Farm | $2,451 |
| Travelers | $2,557 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
See how much you could save on home insurance
How much is home insurance in Georgia?
The average cost of home insurance in Georgia is $1,979 a year, or $165 a month.
This is 4% higher than the average cost of home insurance in the U.S., which is $1,903 a year, or $159 a month.
What you pay for home insurance depends on a number of factors, including:
- Your ZIP code
- The age of your home
- The materials used to build it
- Your insurance claim history
Your home insurance policy’s deductible amount also determines how much you pay. The lower your deductible, the higher your premium, in most cases.
To put it another way, you can lower your home insurance premium by raising your deductible – or vice versa.
| Deductible amount | Annual premium |
|---|---|
| $500 | $2,127 |
| $1,000 | $1,979 |
| $1,500 | $1,918 |
| $2,000 | $1,777 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Your home insurance policy’s dwelling coverage amount impacts your premium, too. In this case, a lower dwelling coverage amount usually means a lower premium as well.
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $1,620 |
| $275,000 | $1,979 |
| $350,000 | $2,361 |
| $425,000 | $2,783 |
| $500,000 | $3,214 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Keep in mind that you shouldn’t choose a low dwelling coverage amount just to save money on home insurance. Most homeowners choose a dwelling coverage amount that equals the cost to rebuild their home. Of course, if you have a mortgage, your lender will likely require you to insure it for its replacement value. You won’t be able to choose a lower amount even if you want to do so.
Given everything that goes into the cost of a home insurance policy, the best way to find one that offers you the lowest premium for the coverage you need is to compare home insurance quotes from several companies.
Georgia's best home insurance companies
Progressive and Country Financial are the best home insurance companies in Georgia, based on our expertise and research. Here’s why.
Progressive: Best for rates
$1,472 a year
26% lower than state average
$1,979 a year
Cheapest average home insurance rates statewide.
High customer satisfaction ratings.
Offers several discounts, including ones for bundling home and auto policies and for having alarms and safety features in your home.
Highest NAIC Complaint Index rating of the companies we surveyed.
Bundling discount (5% on average) could be higher.
Country Financial: Best for customer satisfaction
830 (out of 1,000)
0.07
The NAIC Complaint Index measures the complaints policyholders file against an insurer, with the average complaint index being 1.0.
Highest score from the J.D. Power 2022 U.S. Home Insurance Study.
Second-lowest NAIC Complaint Index rating among companies we surveyed.
Average annual premium ($1,899) is lower than the state average ($1,979).
Although average premium is affordable, it’s still over $400 a year higher than Progressive’s average premium.
Customer service ratings for Georgia’s home insurance companies
Country Financial has the highest customer service rating of Georgia’s main home insurance companies. Cincinnati Insurance has the lowest complaint index rating.
| Insurance company | Overall satisfaction score |
|---|---|
| Allstate | 815 |
| Chubb | 809 |
| Cincinnati Insurance | Not included |
| Country Financial | 830 |
| Farmers | 792 |
| Georgia Farm Bureau | Not included |
| Nationwide | 816 |
| Progressive | 801 |
| State Farm | 829 |
| Travelers | 794 |
| USAA* | 884 |
| Source: J.D. Power 2022 U.S. Home Insurance Study | |
USAA’s customer satisfaction score from J.D. Power is even higher than Country Financial’s, but only members of the military and certain family members can buy insurance from USAA.
J.D. Power’s customer service index rankings are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims.
| Insurance company | Complaint Index rating |
|---|---|
| Allstate | 0.33 |
| Chubb | 0.13 |
| Cincinnati Insurance | 0.06 |
| Country Financial | 0.07 |
| Farmers | 0.39 |
| Georgia Farm Bureau | 0.24 |
| Nationwide | 0.54 |
| Progressive | 0.92 |
| State Farm | 0.35 |
| Travelers | 0.17 |
| USAA | 0.31 |
| Source: National Association of Insurance Commissioners (2022 data) | |
Cincinnati Insurance has the state’s best complaint rating from the National Association of Insurance Commissioners (NAIC). Its 0.06 Complaint Index rating is the lowest of the home insurance companies we surveyed. This means it receives far fewer complaints from customers than is expected for its size.
Country Financial’s NAIC Complaint Index rating, 0.07, is nearly as low as that of Cincinnati Insurance.
Compare home insurance quotes from top providers
How much does home insurance cost in Georgia by city?
Homeowners in Athens pay the lowest average home insurance premium of Georgia’s biggest cities at $1,636 a year.
Savannah has the highest home insurance premiums among Georgia’s 10 largest cities, with an average annual premium of $2,456.
| City | Annual premium |
|---|---|
| Atlanta | $1,968 |
| Augusta | $2,008 |
| Columbus | $2,064 |
| Macon | $1,941 |
| Savannah | $2,456 |
| Athens | $1,636 |
| Sandy Springs | $1,783 |
| Roswell | $1,742 |
| Johns Creek | $1,737 |
| Warner Robins | $1,842 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Atlanta
Farmers is the cheapest homeowners insurance company in Atlanta, charging an average $1,451 a year.
| Insurance company | Annual premium |
|---|---|
| Farmers | $1,451 |
| Nationwide | $1,733 |
| Progressive | $1,796 |
| Cincinnati Insurance | $1,812 |
| USAA | $1,924 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Augusta
Augusta homeowners will find the cheapest home insurance from Farmers, based on our data. Its average premium of $1,452 a year is more than $500 lower than the state average.
| Insurance company | Annual premium |
|---|---|
| Farmers | $1,452 |
| Progressive | $1,565 |
| Nationwide | $1,570 |
| Cincinnati Insurance | $1,666 |
| USAA | $1,763 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Columbus
Farmers is the cheapest home insurance company in Columbus, too, with an average premium of $1,329 a year. This is 36% lower than the state average premium.
| Insurance company | Annual premium |
|---|---|
| Farmers | $1,329 |
| Cincinnati Insurance | $1,448 |
| Nationwide | $1,736 |
| USAA | $1,890 |
| Progressive | $1,974 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Macon
Macon homeowners will find the lowest home insurance premiums with Progressive, which charges an average $1,434 a year.
| Insurance company | Annual premium |
|---|---|
| Progressive | $1,434 |
| Nationwide | $1,639 |
| Cincinnati Insurance | $1,690 |
| USAA | $1,746 |
| Allstate | $1,766 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Georgia by county?
Of the 10 largest counties in Georgia, Forsyth County homeowners pay the cheapest home insurance rate of $1,727 a year, on average.
Chatham County’s average home insurance rate of $2,487 a year is the highest among Georgia’s biggest counties.
| County | Annual premium |
|---|---|
| Fulton | $1,936 |
| Gwinnett | $1,777 |
| Cobb | $1,826 |
| DeKalb | $1,874 |
| Chatham | $2,487 |
| Clayton | $1,997 |
| Cherokee | $1,900 |
| Forsyth | $1,727 |
| Henry | $1,914 |
| Richmond | $2,084 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Does home insurance cover natural disasters in Georgia?
Hurricanes, tornadoes, thunderstorms and other severe weather are common in Georgia, depending on the time of year.
Standard home insurance covers damage and destruction caused by some of these events, but not all. A standard homeowners insurance policy typically covers damage and destruction caused by wind and hail, but it usually won’t cover flood damage.
Flood insurance in Georgia
Although home insurance usually excludes flood damage, you can buy flood insurance to protect your home and belongings from flooding.
Most lenders will require flood insurance if you apply for a mortgage in a high-risk flood zone. Even if it’s not required, though, you can often still purchase it through the government-backed National Flood Insurance Program (NFIP) or certain private companies.
Frequently asked questions
The average cost of homeowners insurance in Georgia is $165 a month. That’s $1,979 a year.
What you pay for home insurance in Georgia may be higher or lower than this amount. This is because companies consider many factors when setting the cost of a home insurance policy, including how old your home is, where you live and whether you’ve filed previous insurance claims.
Progressive has the cheapest homeowners insurance rates in Georgia at an average of $123 a month.
Cincinnati Insurance’s average rate of $141 a month is affordable, too, and well below the state average. The same can be said of Farmers and Nationwide, both of which offer average monthly rates of $142.
Georgia law does not require homeowners to buy insurance. If you have a mortgage, though, your lender will likely require it.
Methodology
We collected quotes from every ZIP code in Georgia for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling coverage (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.