Who Has the Cheapest Homeowners Insurance Quotes in Georgia?

We collected insurance quotes across 14 counties in the state of Georgia in order to determine which regions have the highest and lowest annual home insurance costs. Based on our research, Georgia homeowners pay on average $1,895 per year for home insurance. Across the 14 counties we studied, Hanover averaged the lowest annual rates in the state. Read more about our findings below, or use our quote tool above to start find the best home insurance quotes in your area.

• Cheapest Home Insurance Companies in Georgia
• Top 5 Best Counties for Home Insurance In Georgia
• Top 5 Most Expensive Counties for Home Insurance in Georgia
• Best Homeowners Insurance Companies in Georgia

Cheapest Home Insurance Companies in Georgia

We gathered quotes from State Farm, Travelers, Hanover and Grange. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in Georgia. The graph below shows the average annual costs to insure our sample home by company and the state average:

Least Expensive Homeowners Insurance in Georgia: by County

The graph below shows the five best places for home insurance of all the counties which were part of our rankings. The counties are listed in order of mean price starting with the lowest average home insurance quote and ascending. Cobb County is the cheapest county in Georgia for homeowners insurance based on our study. Landlocked counties, like Bibb County, which is home to the city of Macon, performed well relative to the state average.

Cobb County, Georgia

Cobb County is the fourth largest county in the state of Georgia and the most affordable one for home insurance. Cobb County is located in the northwestern outskirts of Atlanta. Some of the largest industries in the area include healthcare & social assistance, retail trade and educational services. Our study shows that the average cost of home insurance in Cobb County is $1,117 per year, which is $406 less than the state average.

Hanover offered the best home insurance quote in Cobb County at an annual cost of $729. State Farm, the most expensive insurance company in the county, quoted our sample home an annual cost of $1,613, which is $884 greater than Hanover’s quote. State Farm offered the only quote in Cobb County that was greater than the state average.

Gwinnett County, Georgia

Gwinnett County is the second largest county in Georgia. The county is named after Button Gwinnett, who was one of the signers of the Declaration of Independence. 80% of the nation’s population is located within a two-hour flight from Gwinnett County. Residents of Gwinnett County pay an average of $1,157 per year for their homeowners insurance.

The most affordable home insurance rate in the county was offered by Hanover at an annual cost of $747. The second most affordable rate was offered by Grange at a cost of $965, which is $218 greater than Hanover’s quote. Based on our study, Gwinnett County ranks as the second most affordable county for home insurance in the state.

Fulton County, Georgia

Fulton County is the largest county in Georgia and the third most affordable for homeowners insurance. Atlanta’s downtown area resides within Fulton County. Atlanta is the largest city in the state of Georgia. Atlanta also serves as the state’s capital. Based on our research, the average home insurance quote in the county is $1,257 per year. Residents of Fulton County pay 17% less for their home insurance when compared to the state mean.

Hanover and Grange both offered quotes which were less than $1,000 per year. Based on our study, Travelers was the most expensive insurance company in the area by far. In fact, Travelers’ home insurance quote of $2,036 is more than $1,000 greater than the quotes offered by Hanover and Grange.

Polk County, Georgia

Polk County is situated alongside the Alabama-Georgia border. The county was established in 1851 and is named after James Polk, a U.S. President. A majority of students within Polk County graduate from West Georgia Technical College and Georgia Northwestern Technical College. The average annual homeowners insurance quote in Polk County is $1,290 per year, which is 15% less than the state mean.

Based on our research, Polk county is the fourth most affordable county for home insurance in the state of Georgia. Hanover offered the only home insurance quote that was less than $1,000 in the county. The least affordable quote was offered by Travelers at an annual cost of $1,655.

Dougherty County, Georgia

Dougherty County is located in the southwestern portion of the state, encompassing the city of Albany. Based on our research, Dougherty County has the fifth most affordable home insurance rates in the state. The mean annual home insurance rate in Dougherty County is $1,318, which is 13% less than the state average.

Hanover quoted the best home insurance quote in Dougherty County at $839 annually. Hanover’s quote is $854 less than State Farm’s quote of $1,693. Based on our study, State Farm is the least affordable home insurance company in the county.

Most Expensive Homeowners Insurance in Georgia: by County

The graph below shows the five most expensive places of all 14 counties which were part of our study. The counties are listed in order of price starting with the highest average rate and descending. The most expensive county for homeowners insurance was Randolph County.

Randolph County, Georgia

Randolph County is a relatively small county in the state of Georgia. The county encompasses approximately 429 square miles of land and has less than 10,000 residents. Despite its small size, Randolph County ranks as the most expensive county for home insurance in the state of Georgia. Residents of Randolph pay an average home insurance cost of $2,461 based on our study.

State Farm offered the lowest home insurance quote in Randolph County at an annual rate of $1,869. The second most affordable insurance company in the area, Grange, offered a quote of $2,041, which is $172 greater than the quote offered by State Farm. On average, residents of Randolph County pay 62% more for their home insurance when compared to the state mean.

Chatham County, Georgia

Chatham County is located on the eastern coastline of the country and near the Georgia-South Carolina border. Its coastal location makes the county one of the least affordable for home insurance. Based on our research, the average home insurance rate in Chatham County is $1,958, which is $436 greater than the state mean.

Home insurance rates in Chatham County vary by $1,952. The least affordable insurance company in the area was Travelers and the most affordable one was Hanover. Based on our study, Hanover and Grange were the only two insurance companies in the are that offered rates that were lower than the state average.

Warren County, Georgia

Warren is a small county in Georgia, which is located approximately 47 miles west of Augusta. Although the county is small in terms of population, its residents enjoy access to Interstate 20. The interstate provides access to many major cities, including Dallas, Jackson and Birmingham. On average, residents of Warren County pay $403 more for their home insurance than the state average.

Hanover offered the lowest quote from the insurance companies we sampled at an annual cost of $1,370. Hanover’s quote was only $25 cheaper than the next most affordable quote, which was offered by Grange. Warren County is the third most expensive county for home insurance in Georgia.

Wilcox County, Georgia

Wilcox County is named after General Mark Wilcox, a state legislator and a founder of the Georgia Supreme Court. The county is located approximately 130 miles northwest of the coastal city of Brunswick. Wilcox is the fourth most expensive county in Georgia for home insurance. Residents of Wilcox pay an average of $1,911 per year for home insurance.

Hanover and Grange offered the best home insurance quotes in the county at annual costs of $1,268 and $1,402, respectively. Quotes in Wilcox County varied by $1,731. Travelers, the most expensive home insurance company in the area, brought the county’s average down by $363.

Banks County, Georgia

Banks County is located in the northern part of the state. Some of the largest industries within the county include manufacturing, retail trade and construction. Banks has an average annual home insurance cost of $1,431, which is $91 less than the state average.

The most expensive insurance company in the area, Travelers, offered our sample home a homeowners insurance quote at an annual cost of $1,861. The quote was $856 greater than the cheapest quote in the area, which was offered by Hanover.

Best Homeowners Insurance Companies in Georgia

When searching for the best home insurance company in Georgia, it doesn't matter if you live in Atlanta or Columbus, you should look for a policy that fits your needs for coverage features, price, stability and customer service. In this section we've focused on customer service and compiled a list of the largest homeowners insurance companies in the Peach State, ranking their quality through customer complaints. By that standard, the top rated homeowners insurance companies in Georgia are Country Financial, Nationwide and State Farm. The worst large insurance companies in Georgia by these ratings are Allstate, Travelers and Farmers. But Georgia's biggest insurers appear to generally have satisfied customers, with all 10 companies receiving a customer complaint ratio below the national median of 1.0, and most far below that number.

We measured customer satisfaction by a complaint ratio collected from the National Association of Insurance Commissioners. Customer complaints are weighted by market share, so the number of complaints is adjusted relative to the size of a company, with a median score of 1.0. A lower complaint index indicates that customers are more likely to be happy with their service.

Georgia Homeowners Insurance Companies Reviews

We rated the five largest homeowners insurance companies in Georgia, based on market share: State Farm, Allstate, USAA, Travelers and Liberty Mutual. In reviewing the insurers, we focused on policy coverage and features, price, customer experience and financial stability.

State Farm

State Farm is the biggest home insurer in the country and in Georgia its share of the the market is even bigger, accounting for almost 30% of statewide premiums. With State Farm, customers know they'll get a variety of coverage options and solid customer service, though you'll pay above average rates for these features in Georgia.

State Farm stands out among Georgia's major insurance companies with its plethora of coverage add-ons. If you're looking for coverage from anything to service lines—such as underground piping or electrical lines—to home systems, like electrical generators, State Farm will generally have some way to cover your risk. However, these coverages come as add-ons for an additional cost, and State Farm base policy rates are higher than average for the state, so you'll want to discuss prices with a State Farm agent before purchasing coverage.

Luckily, State Farm is known for its customer relations and it has the lowest complaint ratio among the top five insurers in Georgia, meaning you can expect a good service experience. You can feel secure that your claims will be paid too, as State Farm receives A.M. Best's highest rating of "A++" for financial stability.

Allstate

Coming in a distant second to State Farm in market share, Allstate is the second biggest home insurance company in Georgia. In contrast to State Farm, Allstate is a great option for those looking for affordable home insurance, as it has some of the cheaper base rates in the state, along with a variety of discount options that may help lower the price of your policy even further.

Although Allstate's discounts features are generally offered by other home insurance companies, the savings offered are often greater. Bundling your auto and home insurance could save you up to 30% on your premium, while having a claim-free history could save you up to 20%. Other insurers may offer as little as 10% to 15% discounts for eligible customers. Allstate's coverage features and add-ons don't stand out, but if you're looking for a standard home insurance policy at an affordable price Allstate will cover what you need.

Opting for cheaper rates may cost you in customer service, however. Although Allstate still rates better than the national median for customer complaints, it is the lowest-rated insurer among the top 10 Georgia homeowners insurance companies by market share. However, with an "A+" financial stability rating from A.M. Best, its second-highest rating, Allstate is unlikely to have any issues paying your claim.

USAA

The United Services Automobile Association (USAA) is the third-biggest home insurer in Georgia and is the ideal option for shoppers who are eligible for membership, which includes U.S. military members, veterans and their families. Those eligible should take advantage, given the insurer's decent rates and the generous coverage included in its base policies.

USAA prices are already below the Georgia average, but they're even more competitive when you consider the features including in their standard policies. A base USAA policy includes replacement cost coverage for personal belongings and identity theft coverage up to $5,000—both of which generally cost extra with other insurers. Additionally, with an auto and home insurance bundle you can save even more, upward of 10% of your premium.

USAA has an outstanding customer service reputation, and it ranks well compared to the other home insurance companies in the state when measured by its customer complaint ratio. With an A.M. Best rating of "A++", it also gets top marks for financial stability.

Travelers

One of the most expensive home insurance companies in Georgia, Travelers' home insurance policies have no standout features, and it has one of the least-competitive customer service reputations in our sample. If you're shopping for a home insurance in Georgia, Travelers is unlikely to get you the best deal.

Travelers' policies will get you standard coverage for your dwelling, personal belongings, liability and loss of use. However, its options for additional coverage are unremarkable and its discount options are limited. This means you'll have few ways to adjust your coverage or lower the company's rates, the latter of which were the highest among the insurers we sampled. And though Travelers customer complaint ratio is below the national median, it was one of the worst among the top 10 home insurance companies in Georgia, meaning you could be paying more for less coverage and worse customer service.

Travelers is in excellent financial condition, however, receiving an "A++" rating from A.M. Best, in line with USAA and State Farm.

Liberty Mutual

Given its affordable rates, decent customer service reputation and interesting policy features, Liberty Mutual home insurance is another provider Georgia residents should get a quote from.

Among the five largest home insurance companies in Georgia, Liberty Mutual only ranks behind Allstate in terms of affordability, and its standard policies have some intriguing features. Liberty home insurance policies have inflation protection, so your coverage limits will rise in line with the the pace of rising prices. You'll also have a 12-month rate guarantee, so Liberty won't be able to raise your premium in the middle of the year.

If you're looking for even more ways to save, Liberty Mutual stands alone with Allstate in terms of the breadth of its potential discounts among top homeowners insurance companies in Georgia. One unique discount offered by Liberty is its "Insured to Value" discount, which rewards customers for fully covering their homes. Many homeowners don't insure their homes to 100% of their replacement cost as they think it's unlikely their homes will be fully destroyed. With Liberty Mutual, if you select coverage limits that insure your home up to 100% of its replacement cost, you'll get a discount.

Finally, Liberty Mutual has a decent customer service reputation, ranking seventh by complaint ratio among the top 10 home insurance companies in Georgia, but still much better than the national median. Its financial strength rating of "A" from A.M. Best is below the other providers in our list but still considered excellent by the credit rating agency.

Methodology

We studied 14 counties, spread out geographically in the state of Georgia. The quotes in our study were for a $200,000 home insurance policy with a $1,000 deductible. We’ve displayed all counties with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.

Sources:

Georgia Office of Insurance and Safety Fire Commissioner