Shopping for homeowners insurance in Georgia remains challenging in 2025 amid higher premiums and tighter underwriting. Choosing the best fit requires careful research and side-by-side quotes. Because coverage needs, location risk, budget, and service preferences vary, the best provider will differ for each homeowner.�a0
To help you find the best homeowners insurance in Georgia, Reviews evaluated large and notable Georgia home insurers using the latest third-party measures (2024 J.D. Power customer and claims studies), AM Best financial strength, NAIC complaint information, average premiums, coverage options, discounts, and availability. Based on this analysis, strong choices for many Georgia shoppers include USAA, State Farm, Auto-Owners, and COUNTRY Financial, while national satisfaction leaders like Amica and Erie also perform well.
The 4 Best Homeowners Insurance Companies in Georgia
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Availability
- Auto-Owners: Best for Optional Coverage
- COUNTRY Financial: Best for Discounts
Compare the Best Georgia Homeowners Insurance Companies
| Average Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | 2021 J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin USAA** | $1,214 | A++ (Superior) | 882/1,000 | |
| Pin State Farm | $2,092 | A++ (Superior) | 835/1,000 | |
| Pin Auto-Owners | $875 | A++ (Superior) | 831/1,000 | |
| Pin COUNTRY Financial | $1,905 | A+ (Superior) | 830/1,000 |
Information updated through late 2024�2025 for ratings and market context; any sample premiums shown here reflect earlier, historical rate filings and will differ from current quotes.
*Historical sample premiums in tables are based on $250,000 dwelling coverage; statewide averages cited below reference a $300,000 dwelling profile.
**USAA not officially ranked by J.D. Power due to eligibility restrictions (evaluated but not rank-eligible)
USAA
USAA sells home insurance exclusively to current or former military members and their eligible families. It is evaluated but not rank-eligible in J.D. Power�s 2024 home studies, where it typically scores very highly, and it maintains an AM Best Financial Strength Rating in the Superior category (A++ as last affirmed in 2024). For many in the Armed Forces community, USAA combines competitive rates with strong service.
Best for Military-Focused Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Rates are below average compared to the state average annual premium
- Exceptional customer satisfaction and financial strength ratings
- Free identity theft coverage with every policy
Cons
- Only available to current and former Armed Forces and their families
- Fewer discounts than some competitors
DISCOUNTS AVAILABLE
- Claim-free
- Security device
- Policy bundling
ADD-ON COVERAGES
- Home-sharing coverage
- Military uniform coverage
- Contents replacement cost coverage
USAA INSURANCE REVIEW
State Farm remains one of the largest and most widely available homeowners insurers, carrying an AM Best Financial Strength Rating of A++ (Superior as affirmed in 2024). For ease of policy management, State Farm�s extensive local-agent network can help you purchase a policy, adjust coverage, navigate claims, and get support to make informed decisions. WHY WE CHOSE IT Why we chose it Auto-Owners offers a wide range of endorsements to tailor protection and is frequently among the higher-rated carriers for customer and claims satisfaction in recent J.D. Power studies. Replacement cost options and specialty packages can help increase payout potential by avoiding depreciation where eligible. WHY WE CHOSE IT Why we chose it Based on our evaluation, COUNTRY Financial stands out for discount breadth and personalized service from local agents. In recent J.D. Power home studies, it often performs above the industry average for satisfaction, and it offers numerous savings tied to home safety features, loyalty, and newer roofs or wiring. WHY WE CHOSE IT Why we chose it In Georgia, recent market studies indicate typical homeowners premiums now fall roughly in the $2,100�2,600 per-year range for a standard HO-3 policy with about $300,000 in dwelling coverage, good credit, and a 1% deductible. Point estimates vary by source and profile.�a0 There is no single official, real-time statewide average. Historical NAIC/Triple-I expenditure data lag by year and are much lower than today�s quotes, while modeled averages from consumer studies (e.g., Bankrate, NerdWallet, Policygenius) reflect specific profiles and assumptions. Premiums have risen sharply since 2021 amid higher catastrophe losses, reinsurance costs, and construction inflation, as reflected in 2024 household-insurance CPI increases. Your ZIP code, claim history, credit, coverage limits, roof age/material, and insurer all drive your price�so compare at least three to five quotes. Every home insurance company in Georgia prices risk differently, so it�s important to shop around. The table below shows historical sample averages for a $250,000 dwelling profile from prior filings; in today�s market, many households will see higher quotes. Use this as a directional comparison only. *Table reflects historical samples based on $250,000 dwelling coverage; statewide averages discussed above reference ~$300,000 dwelling coverage. When choosing home insurance in Georgia, consider the state�s exposure to hurricanes and tropical systems along the coast, as well as severe convective storms and inland flooding. Standard homeowners policies do not cover flood. If you need flood protection, you�ll buy it separately through the National Flood Insurance Program (NFIP) or the private market. Under NFIP�s Risk Rating 2.0, premiums are priced to property-level risk and most annual increases are capped by statute; policies generally have a 30-day waiting period unless an exception applies. Private flood insurers may offer higher limits, optional additional living expense coverage, and different waiting periods. Other risks facing Georgia homeowners include wildfires and tornadoes. Make sure dwelling and personal property coverage limits align with current rebuild costs, and review deductibles carefully: many policies use separate wind/hail or named-storm percentage deductibles. Roof age and condition increasingly affect eligibility, pricing, and whether roof surfaces are covered at replacement cost or actual cash value. If you are purchasing home insurance in Georgia for the first time, take advantage of reputable resources to understand required and optional coverages, how deductibles work, how to compare insurers, and how to check complaint performance in your state. The state�s insurance department publishes several home insurance resources that explain what a policy covers, how to find discounts, and tips for choosing deductibles, among other topics. If you live in a high-risk flood zone, you can also look into FEMA�s flood insurance resources and learn how flood insurance can protect your home. In addition, Georgia�s Flood Map Program provides tools to check your address, community participation, and potential premium discounts through FEMA�s Community Rating System. We evaluated the companies using recent third-party ratings for customer satisfaction and claims (2024 J.D. Power studies), financial stability (AM Best), complaint performance (NAIC), as well as coverage options and availability to determine which might be the best providers.�a0 To compare home insurance companies across the board, we considered the following factors: Rates and averages referenced in this guide synthesize recent market studies from major consumer sources and are for comparative purposes only; the company-by-company table reflects historical samples and will not match current quotes. Your quotes may be different. The coverage limits for home insurance rates reflect the following coverage and limits: The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).State Farm
Best for Availability
Pros
Cons
DISCOUNTS AVAILABLE
ADD-ON COVERAGES
STATE FARM INSURANCE REVIEW
Auto-Owners
Best for Optional Coverage
Pros
Cons
DISCOUNTS AVAILABLE
ADD-ON COVERAGES
AUTO-OWNERS INSURANCE REVIEW
COUNTRY Financial
Best for Discounts
Pros
Cons
DISCOUNTS AVAILABLE
ADD-ON COVERAGES
Average Cost of Homeowners Insurance in Georgia
Average Annual Premium from Homeowners Insurance Companies in Georgia
Company Average Annual Premium* Alfa $1,597 Allstate $1,284 Auto-Owners $875 Chubb $1,598 Progressive $692 Cincinnati Insurance $822 Country Financial $1,905 Farmers $1,118 Georgia Farm Bureau Grp $1,176 Grange $1,889 PURE $1,083 State Farm $2,092 Travelers $1,484 United Ins Holdings Grp $838 USAA $1,214 Top 3 Most Expensive Companies for Georgia Homeowners Insurance�a0
Top 3 Cheapest Companies for Georgia Homeowners Insurance
Georgia Home Insurance Considerations
Helpful Resources for Georgia Homeowners
Frequently Asked Questions
Methodology
Keep Reading
