Best Georgia Homeowners Insurance for 2026
Auto-Owners is the best choice overall, but State Farm may have cheaper rates.
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- Low rates and useful coverage options help make Auto-Owners the best homeowners insurance company in Georgia.
- Home insurance costs an average of $2,939 a year in Georgia for a typical house.
- Georgia’s home insurance rates have increased by 40% since 2020.
Best homeowners insurance in Georgia
Auto-Owners’ low rates and useful coverage options make it Georgia’s best homeowners insurance company for most people. State Farm has Georgia’s cheapest rates, while USAA is the best choice for military families.
Auto-Owners and USAA also have great complaint scores from the National Association of Insurance Commissioners (NAIC)
Best overall homeowners insurance in Georgia: Auto-Owners
Average annual rate: $2,148
Why we chose it: Auto-Owners combines low rates with good customer service and useful coverage options. Its add-ons include inland flood coverage for homes that don’t need full-on flood insurance.
Who it’s best for: Most homeowners. Auto-Owners charges 27% less than the state average, and its 0.5 NAIC score means half as many complaints as average.
PROS
- Rates are 27% less than state average
- Great NAIC complaint rating
- Useful add-on protections for your home
CONS
- Doesn’t offer online quotes
- State Farm is typically cheaper
Best for cheap rates: State Farm
Average annual rate: $1,909
Why we chose it: State Farm offers the cheapest average home insurance rates in Georgia, at 35% less than the state average. It also offers most of the protections you need for your home, plus add-ons for common risks like sewer and drain backups and coverage for high-cost valuables like an engagement ring or a racing bike.
Who it’s best for: Price-conscious homeowners. State Farm has the state’s cheapest home insurance and offers coverages most people need. Unfortunately, State Farm’s NAIC score is worse than average, which means it’s not always easy to work with.
PROS
- Cheapest home insurance in Georgia
- Offers most of the protections homeowners need
- Personalized service from local agents
CONS
- Gets more customer complaints than average
- High car insurance rates for bundlers
Best for military families: USAA
Average annual rate: $2,522
Why we chose it: Great rates and customer service make USAA a good choice if you meet its eligibility requirements
Who it’s best for: Military service members, veterans and their families. USAA also has cheap car insurance in Georgia, which makes it good for bundling policies, too.
PROS
- Charges 14% less than state average for home insurance
- Cheap car insurance is good for bundlers
- Extra protection available for electronic devices
CONS
- Primarily only available to the military community
- A few other companies have cheaper home rates
Compare Georgia home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,909 | 4/5 | 1.4 |
 | Auto-Owners | $2,148 | 4/5 | 0.5 |
 | Alfa | $2,298 |  4.5/5 | 0.8 |
 | Allstate | $2,340 | 4/5 | 1.2 |
 | Farmers | $3,113 |  3.5/5 | 0.7 |
 | Country Financial | $3,215 | 4/5 | 0.1 |
 | Nationwide | $3,381 | 3.5/5 | 1.2 |
| USAA* | $2,522 | 4/5 | 0.5 |
LendingTree analyzed home insurance quotes from every Georgia ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is home insurance in Georgia?
Home insurance costs an average of $2,939 a year for a typical Georgia house, or $245 a month. The actual price you pay depends on things like your home’s location and construction features.
Home insurance rates by dwelling amounts
The amount of coverage you need also impacts your home insurance rate. For example, it costs an average of $3,833 a year to insure a home for $550,000 in Georgia. This is 30% higher than the cost of a $400,000 policy.
If you get a mortgage, lenders will almost always require that you insure your home at its replacement value
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,640 | $1,909 | $2,288 | $2,851 |
| Auto-Owners | $1,775 | $2,148 | $2,662 | $3,459 |
| USAA* | $2,014 | $2,522 | $3,202 | $4,130 |
| State average | $2,376 | $2,939 | $3,833 | $4,898 |
Most insurance companies can help you estimate your home’s replacement value based on its:
- Age, square footage and number of stories
- The type of foundation, garage and roof you have
- Your flooring, countertop and cabinet materials
You can find most of these details by looking up your home on your county assessor’s website. For an older home, you may also be asked when your roof, wiring and major systems were last updated.
Georgia home insurance rates by city
In Georgia, home insurance tends to cost the most in cities and towns that get severe hail, wind or thunderstorms. These include both coastal and inland areas.
For example, the Heard County community of Glenn has the state’s most expensive home insurance at $3,636 a year. That county lies in a region prone to severe thunderstorms and occasional tornadoes. Bethlehem, a town just east of Atlanta, has the state’s cheapest rate at $2,644 a year. That’s 10% less than the state average.
Atlanta homeowners pay an average of $3,087 a year for insurance. This is 5% more than the state average. Savannah homeowners pay slightly more at $3,152 a year.
| City | Average Rate |
|---|---|
| Abbeville | $3,057 |
| Acworth | $2,822 |
| Adairsville | $2,936 |
| Adel | $2,994 |
| Adrian | $3,074 |
| Ailey | $3,047 |
| Alamo | $3,018 |
| Alapaha | $3,064 |
| Albany | $2,959 |
| Aldora | $3,005 |
| Allenhurst | $2,997 |
| Allentown | $3,067 |
| Alma | $3,026 |
| Alpharetta | $2,760 |
| Alston | $3,033 |
| Alto | $2,848 |
| Ambrose | $3,010 |
| Americus | $2,932 |
| Andersonville | $2,970 |
| Appling | $2,792 |
| Arabi | $2,986 |
| Aragon | $3,039 |
| Argyle | $2,945 |
| Arlington | $3,104 |
| Armuchee | $3,006 |
| Arnoldsville | $2,698 |
| Ashburn | $3,008 |
| Athens | $2,677 |
| Atlanta | $3,087 |
| Attapulgus | $3,039 |
| Auburn | $2,752 |
| Augusta | $2,998 |
| Austell | $2,891 |
| Avera | $3,146 |
| Avondale Estates | $2,900 |
| Axson | $3,013 |
| Baconton | $3,094 |
| Bainbridge | $3,068 |
| Baldwin | $2,794 |
| Ball Ground | $2,823 |
| Barnesville | $3,010 |
| Barney | $2,978 |
| Bartow | $3,097 |
| Barwick | $3,061 |
| Baxley | $3,022 |
| Bellville | $3,067 |
| Belvedere Park | $3,065 |
| Berkeley Lake | $2,831 |
| Berlin | $3,020 |
| Bethlehem | $2,644 |
| Bishop | $2,742 |
| Blackshear | $3,009 |
| Blairsville | $2,778 |
| Blakely | $3,160 |
| Bloomingdale | $3,049 |
| Blue Ridge | $2,902 |
| Bluffton | $3,111 |
| Blythe | $3,065 |
| Bogart | $2,683 |
| Bolingbroke | $3,367 |
| Bonaire | $2,861 |
| Bonanza | $3,053 |
| Boneville | $3,429 |
| Boston | $2,980 |
| Bostwick | $3,179 |
| Bowdon | $2,948 |
| Bowdon Junction | $3,395 |
| Bowersville | $2,847 |
| Bowman | $2,891 |
| Box Springs | $3,105 |
| Braselton | $2,752 |
| Bremen | $2,982 |
| Brinson | $3,120 |
| Bristol | $3,039 |
| Bronwood | $2,998 |
| Brookfield | $3,451 |
| Brooklet | $2,992 |
| Brooks | $2,842 |
| Broxton | $3,039 |
| Brunswick | $3,057 |
| Buchanan | $2,954 |
| Buckhead | $2,781 |
| Buena Vista | $3,095 |
| Buford | $2,738 |
| Butler | $3,111 |
| Byromville | $2,996 |
| Byron | $2,926 |
| Cadwell | $2,935 |
| Cairo | $3,012 |
| Calhoun | $3,016 |
| Calvary | $3,551 |
| Camak | $2,923 |
| Camilla | $3,128 |
| Candler-McAfee | $3,162 |
| Canon | $2,869 |
| Canton | $2,719 |
| Carlton | $2,817 |
| Carnesville | $2,845 |
| Carrollton | $2,948 |
| Cartersville | $2,861 |
| Cassville | $3,370 |
| Cataula | $3,031 |
| Cave Spring | $2,986 |
| Cecil | $3,036 |
| Cedar Springs | $3,596 |
| Cedartown | $3,029 |
| Centerville | $2,897 |
| Centralhatchee | $3,092 |
| Chamblee | $2,788 |
| Chatsworth | $2,851 |
| Chattahoochee Hills | $3,051 |
| Chattanooga Valley | $2,902 |
| Chauncey | $3,032 |
| Cherry Log | $2,946 |
| Chester | $3,082 |
| Chestnut Mountain | $3,346 |
| Chickamauga | $2,953 |
| Chula | $2,994 |
| Cisco | $2,865 |
| Clarkdale | $3,385 |
| Clarkesville | $2,834 |
| Clarkston | $3,037 |
| Claxton | $3,030 |
| Clayton | $2,792 |
| Clermont | $2,765 |
| Cleveland | $2,776 |
| Climax | $3,060 |
| Clinchfield | $3,434 |
| Clyo | $3,030 |
| Cobb | $2,938 |
| Cobbtown | $3,080 |
| Cochran | $3,019 |
| Cohutta | $2,861 |
| Colbert | $2,778 |
| Coleman | $3,075 |
| College Park | $3,170 |
| Collins | $3,088 |
| Colquitt | $3,151 |
| Columbus | $3,174 |
| Comer | $2,864 |
| Commerce | $2,811 |
| Concord | $3,027 |
| Conley | $3,132 |
| Conyers | $2,924 |
| Coolidge | $2,986 |
| Coosa | $3,487 |
| Cordele | $2,976 |
| Cornelia | $2,785 |
| Cotton | $3,498 |
| Country Club Estates | $2,934 |
| Covington | $2,899 |
| Crandall | $2,849 |
| Crawford | $2,744 |
| Crawfordville | $2,875 |
| Crescent | $3,396 |
| Culloden | $2,903 |
| Cumming | $2,721 |
| Cusseta | $3,116 |
| Cuthbert | $3,079 |
| Dacula | $2,739 |
| Dahlonega | $2,971 |
| Daisy | $3,076 |
| Dallas | $2,776 |
| Dalton | $2,848 |
| Damascus | $3,171 |
| Danielsville | $2,851 |
| Danville | $3,029 |
| Darien | $3,027 |
| Dasher | $2,828 |
| Davisboro | $3,011 |
| Dawson | $3,021 |
| Dawsonville | $2,841 |
| De Soto | $2,976 |
| Dearing | $2,949 |
| Decatur | $2,993 |
| Deenwood | $3,001 |
| Deepstep | $2,987 |
| Demorest | $2,771 |
| Denton | $3,041 |
| Dewy Rose | $2,884 |
| Dexter | $2,952 |
| Dillard | $2,780 |
| Dixie | $2,992 |
| Dock Junction | $3,121 |
| Doerun | $3,025 |
| Donalsonville | $3,143 |
| Doraville | $2,909 |
| Douglas | $3,007 |
| Douglasville | $2,873 |
| Dover | $3,579 |
| Druid Hills | $2,930 |
| Dry Branch | $2,952 |
| Du Pont | $3,018 |
| Dublin | $2,948 |
| Dudley | $2,941 |
| Duluth | $2,802 |
| Dunwoody | $2,820 |
| Dutch Island | $3,155 |
| East Dublin | $2,944 |
| East Ellijay | $3,005 |
| East Griffin | $2,894 |
| East Point | $3,147 |
| Eastanollee | $2,805 |
| Eastman | $3,084 |
| Eatonton | $2,799 |
| Eden | $3,070 |
| Edison | $3,073 |
| Elberton | $2,923 |
| Elko | $2,921 |
| Ellabell | $2,930 |
| Ellaville | $2,986 |
| Ellenton | $3,035 |
| Ellenwood | $3,108 |
| Ellerslie | $2,989 |
| Ellijay | $2,976 |
| Emerson | $2,856 |
| Enigma | $3,058 |
| Epworth | $2,901 |
| Esom Hill | $3,492 |
| Eton | $2,866 |
| Euharlee | $2,865 |
| Evans | $2,805 |
| Experiment | $2,891 |
| Fair Oaks | $2,889 |
| Fairburn | $3,076 |
| Fairmount | $3,000 |
| Fairview | $2,854 |
| Fargo | $2,966 |
| Farmington | $2,811 |
| Fayetteville | $2,847 |
| Felton | $3,491 |
| Fitzgerald | $3,064 |
| Fleming | $2,961 |
| Flemington | $2,989 |
| Flintstone | $2,928 |
| Flovilla | $2,878 |
| Flowery Branch | $2,697 |
| Folkston | $2,997 |
| Forest Park | $3,134 |
| Forsyth | $2,917 |
| Fort Gaines | $3,101 |
| Fort Moore | $3,296 |
| Fort Oglethorpe | $2,856 |
| Fort Stewart | $2,976 |
| Fort Valley | $2,888 |
| Fortson | $2,997 |
| Fowlstown | $3,558 |
| Franklin | $3,094 |
| Franklin Springs | $2,826 |
| Funston | $2,987 |
| Gainesville | $2,748 |
| Garden City | $3,054 |
| Garfield | $3,156 |
| Gay | $3,072 |
| Geneva | $3,023 |
| Georgetown | $3,157 |
| Gibson | $3,085 |
| Gillsville | $2,757 |
| Girard | $3,122 |
| Glenn | $3,636 |
| Glennville | $3,110 |
| Glenwood | $3,017 |
| Good Hope | $2,739 |
| Gordon | $2,975 |
| Gough | $3,535 |
| Gracewood | $3,479 |
| Grantville | $3,016 |
| Gray | $2,866 |
| Grayson | $2,747 |
| Graysville | $2,862 |
| Greensboro | $2,817 |
| Greenville | $3,092 |
| Gresham Park | $3,011 |
| Griffin | $2,899 |
| Grovetown | $2,762 |
| Gumlog | $2,865 |
| Guyton | $3,011 |
| Haddock | $2,855 |
| Hagan | $3,083 |
| Hahira | $2,795 |
| Hamilton | $2,997 |
| Hampton | $2,996 |
| Hannahs Mill | $3,048 |
| Hapeville | $3,182 |
| Haralson | $3,471 |
| Hardwick | $2,864 |
| Harlem | $2,864 |
| Harrison | $3,001 |
| Hartsfield | $2,990 |
| Hartwell | $2,815 |
| Hawkinsville | $3,014 |
| Hazlehurst | $3,077 |
| Helen | $2,795 |
| Helena | $3,105 |
| Hephzibah | $3,095 |
| Hiawassee | $2,744 |
| High Shoals | $3,315 |
| Hillsboro | $2,892 |
| Hinesville | $2,951 |
| Hiram | $2,810 |
| Hoboken | $3,013 |
| Hogansville | $3,180 |
| Holly Springs | $2,711 |
| Homer | $2,775 |
| Homerville | $2,999 |
| Hortense | $3,002 |
| Hoschton | $2,715 |
| Howard | $3,043 |
| Hull | $2,829 |
| Ideal | $3,051 |
| Ila | $3,338 |
| Indian Springs | $2,906 |
| Iron City | $3,153 |
| Irondale | $3,102 |
| Irwinton | $3,061 |
| Isle of Hope | $3,143 |
| Ivey | $3,011 |
| Jackson | $2,878 |
| Jacksonville | $3,115 |
| Jakin | $3,138 |
| Jasper | $2,921 |
| Jefferson | $2,807 |
| Jeffersonville | $2,926 |
| Jekyll Island | $3,289 |
| Jenkinsburg | $2,889 |
| Jersey | $3,492 |
| Jesup | $3,018 |
| Jewell | $2,917 |
| Johns Creek | $2,806 |
| Jonesboro | $3,055 |
| Juliette | $2,928 |
| Junction City | $3,043 |
| Kathleen | $2,942 |
| Kennesaw | $2,843 |
| Keysville | $3,121 |
| Kings Bay | $3,096 |
| Kings Bay Base | $3,169 |
| Kingsland | $3,022 |
| Kingston | $2,872 |
| Kite | $3,028 |
| Knoxville | $3,015 |
| LaFayette | $2,951 |
| Lagrange | $3,041 |
| Lake City | $3,078 |
| Lake Park | $2,818 |
| Lakeland | $2,985 |
| Lakemont | $2,756 |
| Lakeview | $2,872 |
| Lakeview Estates | $2,933 |
| Lavonia | $2,835 |
| Lawrenceville | $2,786 |
| Leary | $3,019 |
| Lebanon | $3,188 |
| Leesburg | $2,899 |
| Lenox | $3,022 |
| Leslie | $2,955 |
| Lexington | $2,751 |
| Lilburn | $2,821 |
| Lilly | $2,991 |
| Lincoln Park | $3,050 |
| Lincolnton | $2,886 |
| Lindale | $2,995 |
| Lithia Springs | $2,902 |
| Lithonia | $3,174 |
| Lizella | $3,050 |
| Locust Grove | $2,931 |
| Loganville | $2,847 |
| Lookout Mountain | $2,919 |
| Louisville | $3,148 |
| Louvale | $3,081 |
| Lovejoy | $3,050 |
| Ludowici | $3,020 |
| Lula | $2,740 |
| Lumber City | $3,111 |
| Lumpkin | $3,142 |
| Luthersville | $3,132 |
| Lyerly | $2,978 |
| Lyons | $3,048 |
| Mableton | $2,863 |
| Macon | $3,037 |
| Madison | $2,815 |
| Manassas | $3,007 |
| Manchester | $3,082 |
| Manor | $2,998 |
| Mansfield | $2,895 |
| Marble Hill | $2,840 |
| Marietta | $2,891 |
| Marshallville | $2,972 |
| Martin | $2,882 |
| Martinez | $2,794 |
| Matthews | $3,139 |
| Mauk | $3,115 |
| Maxeys | $2,792 |
| Maysville | $2,804 |
| Mc Intyre | $3,008 |
| McCaysville | $2,908 |
| McRae | $3,090 |
| Mcdonough | $2,912 |
| Meansville | $2,986 |
| Meigs | $3,029 |
| Meldrim | $3,039 |
| Menlo | $2,985 |
| Meridian | $3,030 |
| Mershon | $3,005 |
| Mesena | $3,426 |
| Metter | $3,011 |
| Midland | $3,097 |
| Midville | $3,162 |
| Midway | $3,007 |
| Milan | $3,110 |
| Milledgeville | $2,885 |
| Millen | $3,135 |
| Millwood | $3,010 |
| Milner | $2,985 |
| Milton | $2,817 |
| Mineral Bluff | $2,945 |
| Mitchell | $3,084 |
| Molena | $3,004 |
| Monroe | $2,757 |
| Montezuma | $3,011 |
| Montgomery | $3,100 |
| Monticello | $2,885 |
| Montrose | $2,950 |
| Moody AFB | $3,194 |
| Moreland | $2,918 |
| Morgan | $2,990 |
| Morganton | $2,922 |
| Morris | $3,095 |
| Morrow | $3,074 |
| Morven | $2,988 |
| Moultrie | $2,977 |
| Mount Airy | $2,807 |
| Mount Berry | $3,561 |
| Mount Vernon | $3,054 |
| Mount Zion | $2,907 |
| Mountain City | $2,800 |
| Mountain Park | $2,863 |
| Murrayville | $2,763 |
| Musella | $3,033 |
| Mystic | $3,261 |
| Nahunta | $3,023 |
| Nashville | $3,036 |
| Naylor | $2,862 |
| Nelson | $3,359 |
| Newborn | $2,917 |
| Newington | $3,048 |
| Newnan | $2,961 |
| Newton | $3,079 |
| Nicholls | $3,010 |
| Nicholson | $2,776 |
| Norcross | $2,821 |
| Norman Park | $2,972 |
| Norristown | $3,043 |
| North Atlanta | $2,877 |
| North Decatur | $2,886 |
| North Druid Hills | $2,871 |
| North Metro | $3,521 |
| Norwood | $2,895 |
| Nunez | $3,096 |
| Oakfield | $2,976 |
| Oakman | $3,487 |
| Oakwood | $2,709 |
| Ochlocknee | $2,989 |
| Ocilla | $3,013 |
| Oconee | $2,990 |
| Odum | $3,004 |
| Offerman | $3,452 |
| Oglethorpe | $3,035 |
| Oliver | $3,552 |
| Omaha | $3,160 |
| Omega | $2,977 |
| Orchard Hill | $3,498 |
| Oxford | $2,950 |
| Palmetto | $3,007 |
| Panthersville | $3,181 |
| Parrott | $2,987 |
| Patterson | $3,031 |
| Pavo | $2,956 |
| Peachtree City | $2,792 |
| Peachtree Corners | $2,767 |
| Pearson | $3,046 |
| Pelham | $3,101 |
| Pembroke | $2,972 |
| Pendergrass | $2,708 |
| Perkins | $3,159 |
| Perry | $2,898 |
| Phillipsburg | $2,973 |
| Pine Lake | $2,954 |
| Pine Mountain | $3,005 |
| Pine Mountain Valley | $3,004 |
| Pinehurst | $3,000 |
| Pineview | $2,994 |
| Pitts | $2,994 |
| Plains | $2,975 |
| Plainville | $2,999 |
| Pooler | $2,950 |
| Port Wentworth | $2,967 |
| Portal | $2,963 |
| Porterdale | $2,910 |
| Poulan | $2,987 |
| Powder Springs | $2,829 |
| Pulaski | $3,348 |
| Putney | $2,968 |
| Quitman | $2,962 |
| Rabun Gap | $2,804 |
| Ranger | $3,042 |
| Raoul | $2,836 |
| Ray City | $2,982 |
| Rayle | $2,890 |
| Rebecca | $2,989 |
| Red Oak | $3,535 |
| Redan | $3,111 |
| Reed Creek | $2,814 |
| Register | $2,956 |
| Reidsville | $3,075 |
| Remerton | $2,831 |
| Rentz | $2,926 |
| Resaca | $2,887 |
| Rex | $3,046 |
| Reynolds | $3,065 |
| Rhine | $3,062 |
| Riceboro | $2,977 |
| Richland | $3,113 |
| Richmond Hill | $2,956 |
| Rincon | $2,988 |
| Ringgold | $2,912 |
| Rising Fawn | $2,956 |
| Riverdale | $3,109 |
| Roberta | $3,026 |
| Robins AFB | $2,930 |
| Rochelle | $3,025 |
| Rock Spring | $2,913 |
| Rockledge | $2,951 |
| Rockmart | $3,029 |
| Rocky Face | $2,868 |
| Rocky Ford | $3,089 |
| Rome | $2,996 |
| Roopville | $2,940 |
| Rossville | $2,840 |
| Roswell | $2,799 |
| Royston | $2,833 |
| Rupert | $3,062 |
| Russell | $2,694 |
| Rutledge | $2,872 |
| Rydal | $2,944 |
| Sale City | $3,125 |
| Sandersville | $2,986 |
| Sandy Springs | $2,864 |
| Sapelo Island | $3,207 |
| Sardis | $3,117 |
| Sargent | $2,911 |
| Sasser | $3,553 |
| Satilla | $3,082 |
| Sautee Nacoochee | $2,779 |
| Savannah | $3,152 |
| Scotland | $3,099 |
| Scottdale | $2,960 |
| Screven | $3,036 |
| Sea Island | $3,450 |
| Senoia | $2,927 |
| Seville | $3,420 |
| Shady Dale | $2,809 |
| Shannon | $3,010 |
| Sharon | $2,879 |
| Sharpsburg | $2,918 |
| Shellman | $3,012 |
| Shiloh | $3,038 |
| Siloam | $2,820 |
| Silver Creek | $3,038 |
| Skidaway Island | $3,210 |
| Sky Valley | $2,797 |
| Smarr | $3,165 |
| Smithville | $2,916 |
| Smyrna | $2,864 |
| Snellville | $2,790 |
| Social Circle | $2,859 |
| Soperton | $3,032 |
| Sparks | $3,032 |
| Sparta | $2,910 |
| Springfield | $3,026 |
| St. George | $2,987 |
| St. Marys | $3,248 |
| St. Simons | $3,382 |
| St. Simons Island | $3,304 |
| Stapleton | $3,120 |
| Statenville | $2,898 |
| Statesboro | $3,018 |
| Statham | $2,711 |
| Stephens | $2,726 |
| Stillmore | $3,098 |
| Stockbridge | $2,961 |
| Stockton | $2,929 |
| Stone Mountain | $3,055 |
| Suches | $2,816 |
| Sugar Hill | $2,741 |
| Sugar Valley | $2,939 |
| Summerville | $3,001 |
| Sumner | $2,989 |
| Sunny Side | $3,504 |
| Sunnyside | $2,962 |
| Surrency | $2,986 |
| Suwanee | $2,734 |
| Swainsboro | $3,125 |
| Sycamore | $3,010 |
| Sylvania | $3,084 |
| Sylvester | $2,969 |
| Talahi Island | $3,284 |
| Talbotton | $3,049 |
| Talking Rock | $2,962 |
| Tallapoosa | $3,001 |
| Tallulah Falls | $3,203 |
| Talmo | $2,753 |
| Tarrytown | $3,011 |
| Tate | $2,938 |
| Taylorsville | $2,869 |
| Temple | $2,952 |
| Tennga | $3,421 |
| Tennille | $2,969 |
| The Rock | $2,988 |
| Thomaston | $3,051 |
| Thomasville | $2,987 |
| Thomson | $2,966 |
| Thunderbolt | $3,154 |
| Tifton | $2,984 |
| Tiger | $2,780 |
| Tignall | $2,915 |
| Toccoa | $2,821 |
| Toccoa Falls | $2,867 |
| Toomsboro | $3,044 |
| Townsend | $3,047 |
| Trenton | $2,938 |
| Trion | $2,961 |
| Tucker | $2,897 |
| Tunnel Hill | $2,849 |
| Turin | $3,496 |
| Turnerville | $3,379 |
| Twin City | $3,124 |
| Ty Ty | $2,980 |
| Tybee Island | $3,578 |
| Tyrone | $2,797 |
| Unadilla | $2,997 |
| Union City | $3,181 |
| Union Point | $2,738 |
| Unionville | $2,973 |
| Upatoi | $3,110 |
| Uvalda | $3,007 |
| Valdosta | $2,832 |
| Varnell | $3,443 |
| Vidalia | $2,980 |
| Vienna | $2,985 |
| Villa Rica | $2,907 |
| Vinings | $2,911 |
| Waco | $2,983 |
| Wadley | $3,113 |
| Waleska | $2,801 |
| Walnut Grove | $2,850 |
| Walthourville | $2,986 |
| Waresboro | $3,436 |
| Warm Springs | $3,117 |
| Warner Robins | $2,899 |
| Warrenton | $2,938 |
| Warthen | $2,998 |
| Warwick | $2,955 |
| Washington | $2,897 |
| Watkinsville | $2,685 |
| Waverly | $2,972 |
| Waverly Hall | $2,995 |
| Waycross | $2,982 |
| Waynesboro | $3,145 |
| Waynesville | $2,991 |
| Webster County | $3,008 |
| West Green | $3,016 |
| West Point | $3,022 |
| Weston | $3,025 |
| Whigham | $3,098 |
| White | $2,862 |
| White Oak | $3,016 |
| White Plains | $2,842 |
| Whitemarsh Island | $3,250 |
| Whitesburg | $2,895 |
| Wildwood | $2,957 |
| Wiley | $2,808 |
| Willacoochee | $3,073 |
| Williamson | $2,987 |
| Wilmington Island | $3,416 |
| Winder | $2,695 |
| Winston | $2,871 |
| Winterville | $2,655 |
| Woodbine | $3,072 |
| Woodbury | $3,116 |
| Woodland | $3,000 |
| Woodstock | $2,751 |
| Wray | $2,983 |
| Wrens | $3,158 |
| Wrightsville | $3,023 |
| Yatesville | $2,964 |
| Young Harris | $2,754 |
| Zebulon | $3,004 |
Current state of homeowners insurance in Georgia
Severe weather as well as inflation have helped drive up Georgia home insurance rates by 40% over the past five years.
A growing number of hurricanes, tornadoes and other severe storms have made insurance companies rebuild more homes than normal in recent years. At the same time, rising construction costs have added to these increases. Insurance companies say they’ve had to raise their rates to keep up with these rising costs.
As rates rise, it’s good to shop around for home insurance to find the best deal. Here are some other steps that can save you money:
-
Raise your deductible: Higher deductibles
can lower your home insurance rate by a decent amount. Make sure to keep money in the bank to cover these out-of-pocket costs if a disaster strikes.A deductible is the amount of money you pay out of your own pocket after you file a claim and before your insurance company pays the rest.
- Strengthen your home: Replacing an old roof with a stronger new one can minimize wind and hail damage. Some companies also give you a home insurance discount for doing so.
- Avoid claims for minor repairs: Insurance companies typically increase your rate after a claim of any size. Avoiding insurance for minor repairs may save you money in the long run.
Insurance protections for Georgia’s natural disasters
Most parts of Georgia experience extreme wind, hail and rainfall in one form or another. This makes it important to make sure you have the right insurance protections for your home.
Wind and hail coverage
Homeowners insurance usually covers hail and wind-related damage from hurricanes, tornadoes and other severe storms. Depending on where you live, you may have a higher deductible for wind or hurricane damage than you do for other risks like fire.
Policies often also cover damage from rainwater that gets into your home through a blown-out roof or window, though limits may apply. Home insurance does not cover damage from rising waters and flooding that may accompany a storm.
Georgia flood insurance
Standard home insurance does not cover floods of any kind; however, separate flood insurance is available for this risk.
Flood insurance costs an average of $901 a year in Georgia, or $75 a month. Your actual price depends on factors like your home’s elevation and how far it is from the ocean, a river or a lake.
If you need a mortgage for a home that’s in a high-risk flood zone, your lender will make you get flood insurance on top of home insurance. But given the state’s widespread flood risks, it’s worth considering in other situations, too.
Most people buy flood insurance through the government-run National Flood Insurance Program (NFIP). You can ask your current home insurance agent, or the ones you shop with, for an NFIP quote.
You can also get flood insurance through some private companies. Good sources for private flood insurance quotes include Neptune Flood, Wright Flood and Allstate.
Auto-Owners offers inland flood coverage but that does not provide as much protection as a separate flood insurance policy.
How to compare homeowners insurance in Georgia
Shopping around can help you save money on homeowners insurance in Georgia. Follow these tips to save time on comparing quotes:
- Pull up your current policy: Your current policy’s declarations page summarizes your current coverage. You can share it with other companies to get quotes faster.
- Prepare to bundle: Most companies give you a big discount for bundling homeowners policy with your car insurance. Get quotes for both policies at once to compare combined rates.
- Check the details: Your coverage limits may vary slightly by company. However, each quote should show accurate information about your and your home.
- Compare apples to apples: The deductibles and coverage options in each quote should match up. It’s ok to ask each company for multiple deductible options.
- Ask about discounts: Most quotes include some discounts, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Unlike car insurance, homeowners insurance is not required by Georgia law. However, most lenders make you get it for a mortgage. Some homeowners associations (HOAs) also require insurance. But even if you don’t have a mortgage or HOA requirement, home insurance is highly recommended.
Growing claims expenses have made home insurance rates high in Georgia. Storm damage and rising construction costs have increased the amounts insurance companies have had to pay to rebuild homes. These costs are getting passed along to homeowners in the form of higher insurance rates.
Home insurance does not cover damage from floods or earthquakes. Standard home insurance also doesn’t usually cover backups of sewer and drainage systems. Separate insurance or optional add-ons are available for these risks. Most policies also only offer limited coverage for valuables like jewelry, unless you buy extra coverage.
Methodology
How we chose the best homeowners insurance in Georgia
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Georgia ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is primarily only available to current and former military service members, children or spouses of USAA members and certain federal employees.