Georgia homeowners insurance calculator

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While Georgia home insurance averages $2,302 a year, slightly lower than the national average for $300,000 in dwelling and liability coverage with a $1,000 deductible and 2% hurricane deductible, rates vary by location as well as by how much coverage you need.

If your home is located on the coast, you can expect to pay more. And, of course, the more your home would cost to rebuild, the more expensive it will be to insure.

Use the Georgia home insurance calculator below to estimate your rates, and keep reading to learn more about Georgia rates.

Georgia home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Average Annual Home Insurance Rates In Georgia

$2,286 Average rate

$7,560 Highest
rate

$1,037 Lowest
rate

Home insurance companies in Georgia

Company	Average annual rate
Auto-Owners	$1,449
Allstate	$1,569
USAA	$2,174
Georgia Farm Bureau	$2,451
Travelers	$2,607
Nationwide	$2,618
Farmers	$2,664
State Farm	$2,757

Key Takeaways

Georgia homeowners insurance averages $2,302 annually for $300,000 in dwelling and liability coverage with a $1,000 deductible and a 2% hurricane deductible.
The amount of dwelling coverage you need will have a big impact on what you pay for home insurance.
Athens has the cheapest average home insurance rates in Georgia, and Savannah has the most expensive rates

How to use the Georgia home insurance calculator

Average homeowners insurance rates vary based on location, factors related to the home, and coverage limits. Use the home insurance calculator below to see the average costs in Georgia.

Choose how much dwelling coverage you need. Make sure it’s high enough to cover rebuilding your home if necessary; it should equal the replacement cost of your home. Round up for the purposes of the calculator.
Choose your liability coverage. While the standard policy comes with $100,000, it’s a good idea to increase that amount.
Choose your deductible. The deductible is the amount you pay out of pocket when you file a claim. A higher deductible means lower rates

How does dwelling coverage affect homeowners insurance in Georgia?

Dwelling coverage pays for repairing or rebuilding your Georgia home. Your dwelling coverage is the replacement cost of your home, which means it needs to be enough to rebuild your house from the ground up at today’s prices.

This table shows average Georgia home insurance rates with various amounts of dwelling coverage, all with $300,000 in liability coverage and a $1,000 deductible with a 2% hurricane deductible. It’s crucial to have enough coverage to rebuild your home if necessary. While higher coverage amounts mean increased rates, having too little coverage can leave you with significant out-of-pocket expenses.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,760	$147
$300,000	$2,302	$192
$400,000	$2,882	$240
$600,000	$4,080	$340
$1,000,000	$6,444	$537

What is a hurricane deductible, and how does it impact home insurance rates in Georgia?

A hurricane deductible is a separate deductible that applies only when there is hurricane damage to your home. It’s usually set as a percentage of your dwelling coverage. It may range from 2% all the way up to 10%.

For example, if your home’s value is $250,000, your hurricane deductible can be as high as $25,000 with a 10% deductible.

If your policy doesn’t have a hurricane deductible and you live in a hurricane-prone area, it may exclude coverage for hurricanes; it’s important to read the details of the policy carefully.

Average rates with hurricane deductible	Average rates without hurricane deductible
$2,302	$2,551

Average homeowners insurance cost in Georgia

While the national average for homeowners insurance is $2,601, the average homeowners costs in Georgia are $2,302, based on $300,000 in dwelling and liability coverage with a 2% hurricane deductible and a $1,000 deductible for other perils.

The age and building materials used in your house may also affect rates. For example, a brick house may incur less damage than a mobile home in a hail storm.

“Consumers in the market for a new homeowner’s insurance plan need to know what they are buying before signing any documents,” says Georgia Insurance and Safety Fire Commissioner John F. King. “While the lowest-priced plan may seem like the best option, it may not have all the protections you want or need. Those living in storm-prone areas should be especially aware of the difference between replacement cost and actual cash value policies.”

The table below shows the difference between Georgia’s average homeowners rates and the national average.

Dwelling coverage	Liability	Average annual rate	Difference compared to the national average
$300,000	$300,000	$2,302	$299

Average cost of home insurance in major Georgia cities

The Georgia city you call home can significantly affect your home insurance rates. Cities more prone to natural disasters or with a high crime rate often see increased rates. Below, we’ve provided average rates for comparison in some of the biggest cities in Georgia.

City	Average annual rate	Average monthly rate
Athens	$2,037	$170
Atlanta	$2,335	$195
Augusta	$2,246	$187
Columbus	$2,379	$198
Johns Creek	$2,121	$177
Macon	$2,330	$194
Sandy Springs	$2,095	$175
Savannah	$3,077	$256

What our expert says

John F. KingGeorgia Insurance and Safety Fire Commissioner

“Consumers in the market for a new homeowner’s insurance plan need to know what they are buying before signing any documents. While the lowest-priced plan may seem like the best option, it may not have all the protections you want or need. Those living in storm-prone areas should be especially aware of the difference between replacement cost and actual cash value policies."

Methodology

Insure.com commissioned home insurance rates from Quadrant Date Services in late 2023 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.