Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Georgia Average homeowners insurance cost in Georgia Homeowners insurance in Georgia costs $2,286 per year or $191 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Georgia is $2,286 a year. Continue reading to learn more about homeowners insurance rates in Georgia by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $2,286 a year, based on Insure.com analysis.Of all the ZIP codes in Georgia, 30683 has the most affordable home insurance rates at around $1,994 annually.In Georgia, Auto-Owners provides the most affordable home insurance at an average annual premium of $1,449. Average home insurance cost in Georgia by coverage levelHomeowners insurance costs $2,286 a year in Georgia for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Georgia will increase to $2,863 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Georgia for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,747 $146 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,760 $147 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,286 $190 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,302 $192 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,863 $239 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,882 $240 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$4,054 $338 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$4,080 $340 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$6,405 $534 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$6,444 $537 Homeowners insurance companies in Georgia determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in GeorgiaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Georgia based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAuto-Owners$1,449A++0.335Travelers$2,607A++0.544.59Allstate$1,569A+0.93.69Farmers$2,664A0.543.3Georgia Farm Bureau$2,451B++0.613.22Nationwide$2,618A+0.872.76State Farm$2,757A++0.952.55Average homeowners insurance cost by company in GeorgiaAuto-Owners provides the most affordable homeowners insurance in Georgia, with an average annual premium of $1,449. Allstate and Georgia Farm Bureau also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Georgia with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateAuto-Owners$1,449$121Allstate$1,569$131Georgia Farm Bureau$2,451$204Travelers$2,607$217Nationwide$2,618$218Farmers$2,664$222State Farm$2,757$230USAA$2,174$181Georgia homeowners insurance rates by ZIP codeInsurance providers in Georgia factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Georgia, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in GeorgiaHomeowners insurance costs in Georgia can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 30683 area has the most affordable insurance rates, at $1,994 annually or $166 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Georgia.ZIP codeAverage annual rateAverage monthly rate30683$1,994$16630045$1,998$16630606$1,999$16730022$2,001$16730605$2,006$16730092$2,012$16830043$2,013$16830609$2,014$16830019$2,015$16830669$2,019$168Most expensive ZIP codes for home insurance rates in GeorgiaYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Georgia, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Georgia, 31522 has the highest homeowners insurance rates, at $3,492 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Georgia for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate31522$3,492$29131410$3,311$27631561$3,238$27031409$3,182$26531523$3,130$26131328$3,092$25831411$3,079$25731404$3,069$25631406$3,067$25631558$3,047$254Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Georgia by cityAtlantaColumbusSavannahHome insurance rate trend in GeorgiaWe analyzed home insurance rate trends in Georgia and found that homeowners insurance rates experienced an overall increase of 6% or $137, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,043$2,149$2,286To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Georgia.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Georgia Average renters insurance cost in Georgia Average car insurance cost in Georgia Non-owner car insurance in Georgia How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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