Best Homeowners Insurance in Georgia (2024)
Progressive has the cheapest home insurance in Georgia for most homeowners, with rates that average $2,061 a year.
Georgia’s cheapest home insurance companies
Progressive, the Cincinnati Insurance Company and Nationwide offer the cheapest home insurance rates in Georgia. Progressive has the cheapest quotes at an average rate of $2,061 a year, followed by the Cincinnati Insurance Company, which averages $2,446 a year.
| Company | Average annual premium |
|---|---|
| Progressive | $2,061 |
| Cincinnati Insurance Co | $2,446 |
| Nationwide | $2,479 |
| USAA | $2,683 |
| Country Financial | $2,798 |
| Farmers | $2,803 |
| Allstate | $3,100 |
| Georgia Farm Bureau | $3,147 |
| State Farm | $3,116 |
| Chubb | $3,280 |
| Travelers | $3,650 |
Best homeowners insurance companies in Georgia
Progressive, Chubb and Country Financial are the best home insurance companies in Georgia, based on factors like cost, coverage, discounts and customer service.
| Company | Average annual premium | J.D. Power overall satisfaction rating | NAIC Complaint Index rating |
|---|---|---|---|
| Progressive | $2,061 | 791 | 0.12 |
| Cincinnati Insurance Co | $2,446 | - | 0.13 |
| USAA | $2,683 | 881 | 0.52 |
| Country Financial | $2,798 | 819 | 0.19 |
| State Farm | $3,116 | 829 | 0.95 |
| Chubb | $3,280 | 801 | 0.15 |
Best overall home insurance in Georgia: Progressive
Progressive is the best home insurance company in Georgia for most homeowners. Progressive offers affordable quotes and receives fewer complaints than its competitors.
Progressive received roughly 90% fewer complaints than are expected of a company its size, according to the National Association of Insurance Commissioners (NAIC). NAIC’s Complaint Index measures customer complaints using a median Complaint Index of 1.0.
Pros
Progressive offers discounts that are easy to qualify for, such as its advance quote discount.
Progressive has the cheapest home insurance rates in Georgia with rates that average $2,061 a year. This is about $800 cheaper than the state average of $2,869.
Cons
Progressive received a low coverall customer satisfaction score of 791 out of 1,000 points in J.D. Power’s 2023 Home Insurance Study.
Progressive offers few optional coverages compared to some of its competitors.
Best home insurance company for coverage in Georgia: Chubb
Chubb offers some great coverage if you upgrade to its Masterpiece policy. With Chubb’s Masterpiece policy, you can get a cash settlement if your home is a total loss due to a covered peril and you decide not to rebuild your home.
If items in your home are damaged, Chubb’s Masterpiece policy will replace them. This includes upgraded appliances, custom cabinets and flooring.
Pros
Chubb’s Masterpiece program offers great benefits, especially for luxury homes.
Chubb received roughly 85% fewer complaints compared to what’s expected for a company of its size.
Cons
Chubb has a below-average customer satisfaction score of 801 out of 1,000 points from J.D. Power’s 2023 U.S. Home Insurance Study.
Chubb has above-average home insurance rates in Georgia that average $3,280 a year.
Best home insurance company for discounts in Georgia: Country Financial
Country Financial offers a variety of unique discounts. You can qualify for a discount if you have new or upgraded electrical wiring. You can also save if your home doesn’t have a solid fuel-burning unit. Country Financial also offers common discounts such as a multi-policy discount, a loyalty discount and a smart home discount.
Pros
Country Financial offers a variety of great discounts.
Cons
County Financial has an average customer satisfaction score of 819 out of 1,000 points from J.D. Power’s 2023 U.S. Home Insurance Study.
Country Financial offers average home insurance rates in Georgia that average $2,798 a year.
How much is homeowners insurance in Georgia?
The average cost of home insurance in Georgia is $2,869 a year for a typical home. However, insurance companies consider many factors when determining your home insurance quote. This includes:
- Crime rates and weather patterns in your area
- The age of your home
- Your insurance history
- Deductible amount
What you pay for home insurance can also vary a lot based on the amount of coverage you need.
In Georgia, you’ll pay 16% more for home insurance if your policy has $400,000 in dwelling coverage than you would if it had $350,000 in dwelling coverage. A home insurance policy with $450,000 in dwelling coverage costs 11% more than one with $400,000 in this coverage.
| Dwelling coverage amount | Average annual premium |
|---|---|
| $350,000 | $2,553 |
| $400,000 | $2,869 |
| $450,000 | $3,194 |
Georgia home insurance rates by city
Among Georgia’s largest cities, average home insurance rates range from $2,406 a year in Athens to $3,623 a year in Savannah.
| City | Average annual premium |
|---|---|
| Atlanta | $2,967 |
| Augusta | $2,990 |
| Columbus | $3,170 |
| Macon | $2,843 |
| Savannah | $3,623 |
| Athens | $2,406 |
| Sandy Springs | $2,588 |
| Roswell | $2,489 |
| Warner Robins | $2,705 |
| Johns Creek | $2,476 |
| Alpharetta | $2,525 |
| Albany | $2,804 |
| Marietta | $2,719 |
Additional home insurance coverages needed in Georgia
Tornadoes, floods and hurricanes are common in Georgia. A standard home insurance policy may cover some of these events, but you’ll need separate coverage for others.
Flood insurance
Home insurance policies do not include flood coverage, but you can buy flood insurance separately. Flood insurance is offered through the National Flood Insurance Program (NFIP). The NFIP partners with insurance companies to service flood insurance. You can also get private flood insurance from insurance companies.
Tornado insurance
Standard home insurance policies usually cover wind damage. This means they cover most tornado damage, too.
You may have to pay a windstorm deductible before your insurer pays out a claim, though. In 19 states as well as Washington, D.C., homeowners must pay deductibles for wind damage. Also, in some states or regions that are prone to strong winds, home insurance may exclude wind coverage. In this case, you’ll need to buy windstorm insurance.
Hurricane insurance
If a hurricane damages your home, a standard home insurance policy may cover the damage caused by wind. It won’t cover damage from flooding, though. For that, you need a flood insurance policy.
Methodology
Ratings include satisfaction scores from J.D. Power’s 2023 U.S. Home Insurance Study and 2023 complaint data from the National Association of Insurance Commissioners (NAIC).
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Georgia. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible