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Affordable Home Insurance in Georgia

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What drives home insurance rates in Georgia

Average homeowners premium, 2023

$1,828

The average homeowners policy in Georgia cost $1,828 for a year of coverage in 2023, against $1,737 nationally.

Claims paid per premium dollar, 2023

83.1¢

Home insurers in Georgia paid 83.1 cents in claims for every premium dollar in 2023; the median state was 64 cents.

Severe weather events, 2024

353

NOAA logged 38 tornado, 84 large-hail and 231 flash-flood event reports in Georgia in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.

Natural-hazard loss rank

#12

FEMA ranks Georgia #12 of 51 for expected annual loss from natural hazards; flood accounts for 48% of that loss, and flood damage needs a separate flood policy.

  • Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
  • Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
  • Severe weather events, 2024: NOAA Storm Events Database, 2024
  • Natural-hazard loss rank: FEMA National Risk Index

Largest home insurers in Georgia

The ten insurer groups that wrote the most home premium in Georgia in 2025, with their share of the state total of $6.4 billion.

#Insurer groupMarket sharePremiums written
1State Farm Group24.6%$1.6 billion
2Allstate Insurance Group15.45%$984 million
3United Services Automobile Association Group10.95%$697 million
4Travelers Group6.92%$441 million
5Auto Owners Group6%$382 million
6American Family Insurance Group4.46%$284 million
7Farmers Insurance Group4.16%$265 million
8Liberty Mutual Group3.87%$247 million
9Georgia Farm Bureau Group2.88%$184 million
10Progressive Group2.2%$140 million

Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.

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