Average homeowners insurance cost in Atlanta, GA

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.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Atlanta is $2,320 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $184 less than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Atlanta depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Atlanta with an average annual premium of $2,320 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Atlanta. Keep reading to learn about the monthly cost of homeowners insurance in Atlanta, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Atlanta.

Key takeaways

The cost of your homeowners insurance policy in Atlanta can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Atlanta with an average annual premium of $1,381.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $543 more, annually for home insurance.

Average homeowners insurance cost in Atlanta per month

According to our rate analysis, homeowners in Atlanta pay an average of $193 per month. It’s $3 more than the state average of $190 and $16 less than the national average for home insurance across the United States.

In Atlanta, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Atlanta

In Atlanta, GA, homeowners pay an average of $1,777 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Atlanta

According to a rate analysis by Insure.com, homeowners in Atlanta pay an average of $2,320 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $543 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Atlanta by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Atlanta. It’s average annual rate for Atlanta homeowners is $1,381. Auto-Owners ranks second and Farmers makes it to the third spot with an average annual home insurance rate of $2,300.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Atlanta and prepared a list of the cheapest home insurance providers. You can find below the Atlanta home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Allstate	$1,381
Auto-Owners	$1,601
Farmers	$2,300
Georgia Farm Bureau	$2,417
Travelers	$2,553
State Farm	$2,575
Nationwide	$2,665
USAA*	$2,422

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Atlanta for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.