Homeowners in Georgia can expect to pay a bit more than the national average for their home insurance. The average cost of homeowners insurance in Georgia is $2,080 per year, which is about 14% more than the national annual average of $1,820.

To determine the best and cheapest homeowners insurance in Georgia, NerdWallet analyzed policy rates from several different insurers across the state. These rates are estimates and depend on several factors, so yours may be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Why you can trust NerdWallet
The best homeowners insurance in Georgia
If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

Farmers

5.0NerdWallet rating 
$1,580

State Farm

5.0NerdWallet rating 
$1,685

Chubb

5.0NerdWallet rating 
$2,290

Cincinnati Insurance

4.5NerdWallet rating 
$1,865

The Hanover

4.5NerdWallet rating 
$1,980

Travelers

4.5NerdWallet rating 
$2,200

Country Financial

4.5NerdWallet rating 
$2,760

Nationwide

4.5NerdWallet rating 
$2,980

USAA*

5.0NerdWallet rating 
$1,905

*USAA homeowners policies are available only to active military, veterans and their families.

More about the best home insurance companies in Georgia
See more details about each company to help you decide which one is best for you.

insurance-product-card-logo
Farmers
5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

OVERVIEW

PROS & CONS

WHY WE PICKED IT
Coverage options
More than average
Discounts
Average set of discounts
NAIC complaints
Fewer than expected
Farmers has strong customer satisfaction, with fewer complaints to state regulators nationwide than other insurers of its size. The company may offer additional features like identity theft coverage and guaranteed replacement cost, which will fully reimburse you for the cost to rebuild your home no matter your policy’s limits.

Georgia homeowners can save with Farmers’ discounts, which include those for not smoking, for bundling your policy with auto insurance, and for equipping your home with protective devices like fire alarms or a security system.

Learn more in our Farmers homeowners insurance review.