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 group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 24.6% | $1.6 billion |
| 2 | Allstate Insurance Group | 15.45% | $984 million |
| 3 | United Services Automobile Association Group | 10.95% | $697 million |
| 4 | Travelers Group | 6.92% | $441 million |
| 5 | Auto Owners Group | 6% | $382 million |
| 6 | American Family Insurance Group | 4.46% | $284 million |
| 7 | Farmers Insurance Group | 4.16% | $265 million |
| 8 | Liberty Mutual Group | 3.87% | $247 million |
| 9 | Georgia Farm Bureau Group | 2.88% | $184 million |
| 10 | Progressive Group | 2.2% | $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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