Home Insurance in Georgia (Only $90 a Month!)
Each state has its own risks and requirements for home insurance, and Clearsurance.com has published its list of the top 10 home insurance providers in Georgia.
The top 10 cheapest insurers with monthly rates are listed below:
- USAA – $90
- Erie – $92
- Geico – $95
- Progressive – $97
- Travelers – $98
- State Farm – $100
- Nationwide – $101
- Farmers – $102
- American Family – $105
- Allstate – $110
Each of these companies is competitive. From the first position to the 10th, the difference in premiums is only $20 a month. Rates for individuals may differ from these averages listed above.
Best Home Insurance in Georgia
USAA is the lowest-price option, on average, but it’s not available for all consumers. USAA writes policies only for military members and their families.
Geico is an excellent option for individuals who aren’t affiliated with the military. Getting a policy online and managing it through the app is a simple process. It has an excellent reputation and has been recognized as one of the best insurance providers.
Travelers is worth considering. They have built a reputation for being good to work with following widespread natural disasters.
Many Georgia residents depend on State Farm because they can bundle home and auto insurance. Another benefit to working with State Farm is that they have local agents that you can talk to in person.
Home Insurance Cost in Georgia
Most home insurance policies cost around $100 a month for a $200K house. Surprisingly, coverage for a $500K house only costs about $50 more per month. Home insurance premiums are not precisely related to the cost of the home, although the home’s value does factor into the equation.
Homeowners may pay more for coverage if they’ve filed a claim in the past few years or if they have increased risk factors.
Saving Money on Home Insurance
Discounts can help homeowners save money on insurance premiums. One of the most popular discounts that’s offered by most major insurers is a bundling discount. When a customer purchases home and auto insurance from the same provider, they often receive a discount for bundling policies.
Homeowners may also be eligible for discounts for being in the military, opting for paperless billing, and installing a home security system.
Comparing home insurance quotes can help homeowners identify insurance providers who may be a better fit for them and offer lower rates.
Increasing home insurance deductibles will result in lower premiums. It’s essential to note that when filing a claim, the homeowner is responsible for the deductible amount, so they should keep this amount in savings, ready for an emergency.
Insurance Risks in Georgia
Several risk factors in Georgia influence the cost of home insurance.
Crime Rate
Georgia’s crime rate is higher than the national average. There are places in Georgia with very low crime rates, but the areas with high crime rates contribute to the state’s average being higher than the U.S. average.
When crime rates are high, there’s a higher chance that a home will be vandalized or burglarized. As a result, residents of high-crime neighborhoods may pay higher insurance premiums.
Weather-Related Risks
While Georgia isn’t at as high a risk of natural disasters as some other states, there is a risk of hurricanes and even tornadoes. Home insurance policies will typically cover damages from natural disasters.
Home insurance doesn’t cover flooding, though, so residents of Georgia living in at-risk areas need a flood insurance policy. People living in lower-risk areas may still need to consider flood insurance.
Melanie Musson, a nationally recognized insurance expert with Clearsurance.com, explains, “The lower the risk of flooding, the lower the insurance premiums will be. So, if there’s a low chance, but still a chance, that a home could be flooded, homeowners should purchase flood insurance.
Georgia residents have options when it comes to home insurance, and the companies listed above are some of the best in the state. While risk factors play a role in premiums, there are many ways to save, no matter what your risk level.
Check out Clearsurance.com’s entire report here: Best and Cheapest Homeowners Insurance in Georgia for 2025 (10 Most Affordable Companies).