Home Insurance Quote Georgia

Home Insurance Quote Georgia: Best Home Insurance Quote Georgia

Georgian homeowners should anticipate paying slightly more for their home insurance than the national average. In Georgia, the average annual premium for homeowners insurance is $2,080. The national average rate, by contrast, is $1,820 annually. NerdWallet examined policy prices from numerous insurers in the state of Georgia to find the greatest and most affordable homeowners insurance. Since these rates are approximations and based on several variables, yours might differ. Note: Some of the insurance companies in this article may have changed how they underwrite policies and are no longer offering new policies in your state.

How much does Georgian homeowners insurance cost? Best Home Insurance Quote Georgia

In Georgia, the average yearly premium for homeowners insurance is $2,080. That is 14% higher than the $1,820 national average. Numerous insurers use your credit-based insurance score to help set rates in the majority of U.S. states, including Georgia. Your traditional credit score and your insurance score are comparable, but not the same. In Georgia, homeowners insurance costs for people with bad credit average $4,010 annually, based on a rate analysis by NerdWallet. Compared to people with good credit, that is 93% more.

The best homeowners insurance in Georgia

If you’re looking to buy homeowners insurance from a well-rated brand, consider one of these insurers, all of which have a NerdWallet star rating of 4.5 or higher.

Company	NerdWallet star rating	Average annual rate
Chubb	5.0NerdWallet rating	$2,290
Country Financial	5.0NerdWallet rating	$2,760
Auto-Owners	4.5NerdWallet rating	$1,200
State Farm	4.5NerdWallet rating	$1,685
Cincinnati Insurance	4.5NerdWallet rating	$1,865
The Hanover	4.5NerdWallet rating	$1,980
Travelers	4.5NerdWallet rating	$2,200
Nationwide	4.5NerdWallet rating	$2,980
Auto Club Group (AAA)	4.5NerdWallet rating	Not available
USAA*	5.0NerdWallet rating	$1,905

The average cost of homeowners insurance in Georgia by city

How much you pay for home insurance in Georgia depends on your ZIP code. For example, the average cost of homeowners insurance in Atlanta is $2,145 a year, while homeowners in Athens pay $1,805 a year, on average.

City	Average annual rate	Average monthly rate
Acworth	$1,905	$159
Alpharetta	$1,805	$150
Athens	$1,805	$150
Atlanta	$2,145	$179
Augusta	$2,095	$175
Buford	$1,850	$154
Canton	$1,890	$158
Columbus	$2,185	$182
Covington	$1,985	$165
Cumming	$1,895	$158
Decatur	$2,105	$175
Douglasville	$1,975	$165
Duluth	$1,840	$153
Gainesville	$1,870	$156
Kennesaw	$1,865	$155
Lawrenceville	$1,890	$158
Lithonia	$2,255	$188
Macon	$2,075	$173
Marietta	$1,945	$162
McDonough	$2,000	$167
Roswell	$1,825	$152
Savannah	$2,065	$172
Stone Mountain	$2,070	$173
Valdosta	$2,030	$169
Woodstock	$1,895	$158

 

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Getting a Georgia home insurance quote is an essential first step in safeguarding your house and possessions from unanticipated catastrophes. To protect your investment and give you peace of mind for years to come, make sure you have the appropriate insurance policy by knowing your coverage needs, comparing quotes, and taking advantage of any available discounts. It’s time to complete your policy after comparing coverage options and costs and obtaining quotes from several insurance companies. Before you sign on the dotted line, carefully read the terms and conditions and don’t be afraid to ask your insurance agent any questions you may have.