Best Home And Auto Insurance In Georgia - Editors analyzed thousands of home insurance quotes from every zip code in Georgia, along with coverage options, discounts offered and customer support metrics. They are evaluated in order to choose the best and cheapest option for you, the customer.
According to the US Census, home insurance rates apply to a home of 2,100 square feet, which is the average age and value in the state. Complete methodology
Best Home And Auto Insurance In Georgia
The cheapest homeowner's insurance company for most Georgians is Progressive, while Country Financial has the most expensive rates.
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The average annual cost of homeowners insurance in Georgia is about $1,317 per year. That's $178 more than the average cost of coverage in the U.S., which is $1,495 a year.
Cincinnati Financial also has great rates for Georgia homeowners, with policies costing 18% less than the state average, and the company has a great customer service score.
For most people, the best home owner insurance company in Georgia is Cincinnati Financial. At $1,078 a year, Cincinnati's policy is $239 a year cheaper than the national average.
The company also scores well for customer service, being one of the top-rated insurers in Georgia. According to the National Association of Insurance Commissioners (NAIC), Cincinnati receives 75% fewer complaints than expected for its size.
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Cincinnati offers three levels of homeowners insurance. The most basic Executive policy includes the standard coverage you'd expect from home insurance. Executive Capstone and Executive Classic offer expanded coverage tailored to the needs of high net worth homeowners, including:
Progressive has the cheapest home insurance in Georgia. Typically, you can purchase coverage for $978 per year, which is 26% less than the average cost of homeowners insurance in the state.
The coverage offered by Progressive is pretty standard. However, its personal liability cover is not as comprehensive as most major insurers – you need to buy additional cover to get libel and slander cover.
Another disadvantage of buying home insurance from Progressive is that it does not underwrite its own policies. When you buy a policy, you'll work directly with one of 13 partners for any service requests or needs, which means it can be difficult to predict the quality of service you'll receive.
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Find the best home and auto insurance package for Georgia residents at State Farm. The company also offers a 15% discount on your car insurance rate when you buy a home policy.
While State Farm's average homeowner's insurance rate is slightly higher than the Georgia average at $1,386 per year, its auto insurance rates are among the cheapest in the state at $1,410 per year for a comprehensive policy. This makes for the best combined home and car prices in the state.
In addition to great prices, State Farm also offers excellent customer service. It received top marks from our editors, as well as high marks from J.D. Power in customer service research. The company also has fewer complaints than expected for its size, according to the NAIC.
Athens homeowners have the cheapest home insurance costs in Georgia, with a policy costing $1,093 per year. People living in Cotton pay the highest rate at an average of $1,954 per year.
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In Atlanta, Georgia's largest city, the average homeowner's insurance rate is in line with the state average of $1,317 per year. Augusta residents pay 5% more for home insurance - $1,381 per year.
To determine which insurance companies in Georgia have the best customer service, we looked at editor ratings, National Association of Insurance Commissioners (NAIC) Complaint Index data, and J.D. Electricity customer satisfaction scores.
Georgia's proximity to the Atlantic Ocean and the Gulf of Mexico puts homeowners in the path of hurricanes. Additionally, tornadoes can cross Dickie Alley and affect the state. In fact, according to the National Weather Service, there were about 75 tornadoes in Georgia in 2020. Some parts of Georgia are also prone to flooding.
No matter where your home is located, it's important to understand how homeowner's insurance protects you against the risks you're likely to face. Before purchasing insurance, you should consider how each company handles natural disasters that may affect your household.
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Most homeowner's insurance companies provide coverage for tornado damage. That's because wind is often listed on your policy's declarations page as a covered peril, including wind damage from tornadoes and hurricanes.
Your homeowner's insurance does not cover flood damage. If you want to protect your home from flooding, you must purchase special flood insurance from the National Flood Insurance Program (NFIC) or a private insurance company. An NFIP flood insurance policy costs about $985 a year, but low-risk properties can find less expensive coverage under an NFIP preferred risk policy.
There are more than 75,000 policies in Georgia, and the average policy covers $280,000. While you don't have to have flood insurance unless your lender requires it, it's a good idea to know your home's risk level by using the Federal Emergency Management Agency's (FEMA) flood map tool.
Homeowners insurance in Georgia costs an average of $1,317 per year or $110 per month. However, average rates can range up to $861 per year depending on where you live.
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Progressive offers the cheapest home insurance rate in Georgia at $978 per year, which is $339 less than the state average.
Homeowners in Marietta can expect to pay an average of $1,216 per year for insurance. That is 8% less than the national average.
To determine the best homeowners insurance companies in Georgia, we evaluated each provider's pricing, policy offerings, and reputation for customer service. We collected quotes from every zip code in the state using a sample profile of $176,000 homes built in 1989. These are the years homes were built in the state and the average home value in Georgia.
The analysis used insurance rate data from Quadrant Information Services. These rates are publicly obtained from insurer claims and should be used for comparison purposes only - your quoted rates may vary.
Best Cheap Homeowners Insurance In Georgia
For an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! Most major insurance companies offer discounts on home and auto insurance that can save drivers hundreds of dollars each year. Progressive offers the cheapest rate for home and auto insurance at $1,308 per year, while Allstate offers the biggest discount on bundled auto and home insurance at 24%.
Collected quotes from five of the largest insurers in the country for a single auto insurance policy, a single home insurance policy and a combined policy for the same vehicle and home.
Progressive has the cheapest combined rate for home and auto insurance at $1,308 per year. Drivers could save more than 20% by combining policies, depending on the insurer and driver profile.
Some companies, including State Farm, provide package pricing only through an agent. Prices vary depending on where you live. For example, Florida homeowners insurance tends to be expensive in many parts of the state, but auto insurance is cheaper inland around Gainesville.
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The best car and home insurance package is one that gives you a big discount on the fair price of both policies.
Just because one company offers cheap auto insurance doesn't mean they will offer affordable home insurance rates and vice versa.
These aren't the only companies you can connect with – this is just a small sample of the biggest companies. Every major insurance company has a binding policy and discounts.
You may not want to bundle if the two policies are more expensive than separate policies from two companies.
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If it costs you $1,000 for the auto and $1,000 for the home to go with State Farm, for a total of $1,800 after rebates, but you can find a home policy at Progressive for $700, you should choose State Farm for the auto and Progressive for the home, if your goal is to save on insurance costs.
That being said, there are still a few factors to be aware of that can make the kit more expensive in the long run.
If your package requires you to switch to another company, we recommend that you watch out for cancellation fees and possible insurance lapses.
Most major insurance companies do not charge cancellation fees, but we have noticed that some, such as Esurance and Mercuri, charge a cancellation fee before the policy expires.
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Another thing to watch out for is that car insurance can be quite expensive. We've found that your rates can be 8% more expensive when you consider repurchasing your policy, even if it's less than 30 days old. And tariffs can be 35% more expensive if the term exceeds 30 days.
For example, usually at the end of the auto insurance quote process, your insurer will ask you if you want to add a homeowner's policy.
Many people probably already have a policy for their car with one company and their home with another.
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