Key Takeaways
- Farmers has the cheapest homeowners insurance rates in Atlanta, charging $1,451 a year, on average.
- Atlanta homeowners spend an average of $1,968 a year on insurance, slightly less than the statewide average of $1,979.
- Compared to the national average, Atlantans pay $65 more per year — or roughly $5 more per month.
In this article
Average home insurance rates in Atlanta
The average cost of home insurance in Atlanta is $1,968 a year, or $164 per month. That’s just a dollar a month less than the statewide average of $1,979 a year.
There are numerous factors that can affect the cost of your home insurance policy, including but not limited to:
- Your home’s location
- Your home’s age and construction style
- Your insurance claim history
- The cost to rebuild your home
Your deductible amount also plays a big role in what you pay for home insurance. In general, the higher your deductible, the lower your annual costs. Here are the average rates Atlantans pay for some of the most common deductible amounts:
| Deductible | Annual premium |
|---|---|
| $500 | $2,129 |
| $1,000 | $1,968 |
| $1,500 | $1,902 |
| $2,000 | $1,768 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
You’ll also need to consider the amount of dwelling coverage you need. Higher coverage amounts usually lead to higher premiums.
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $1,617 |
| $275,000 | $1,968 |
| $350,000 | $2,344 |
| $425,000 | $2,751 |
| $500,000 | $3,169 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
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Cheapest home insurance companies in Atlanta
Farmers leads the way with the cheapest home insurance in Atlanta. On average, the company charges $1,451 a year — or $121 a month.
Nationwide, meanwhile, offers the second-lowest rates, with customers paying an average of $1,733 a year.
| Insurance company | Annual premium |
|---|---|
| Farmers | $1,451 |
| Nationwide | $1,733 |
| Progressive | $1,796 |
| Cincinnati Insurance | $1,812 |
| USAA* | $1,924 |
| Allstate | $1,996 |
| Chubb | $2,022 |
| Travelers | $2,089 |
| Georgia Farm Bureau | $2,143 |
| State Farm | $2,277 |
| Country Financial | $2,405 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
To get the best price on a policy with the coverage you need, compare home insurance quotes from several companies.
Atlanta's best home insurance companies
We found Farmers and Cincinnati Insurance to be the best home insurance providers for customers in Atlanta. Here’s why:
Farmers: Best rates
Farmers offers the cheapest insurance rates for Atlanta homeowners, charging just $1,451 a year. What’s more, Farmers customers can benefit from a wide range of discounts, including:
- Discounts for installing security systems
- Discounts for installing fire alarms
- Discounts for being a non-smoker
- Discounts for using Farmers for other insurance needs
Cincinnati Insurance: Best for customer satisfaction
Cincinnati Insurance is also one of the city's cheapest home insurance options, charging $1,812. But the company rates extremely high in terms of customer satisfaction, too.
In the National Association of Insurance Commissioners (NAIC) Complaint Index ratings — which rates companies on a scale of 0 to 2 based on total customer complaints — Cincinnati Insurance has a rating of 0.06. That’s the lowest of any insurer available in Atlanta.
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Customer service ratings for Atlanta home insurance companies
In terms of J.D. Power’s customer satisfaction score, Country Financial ranks the highest among Atlanta home insurers. The company earned a score of 830, 11 points higher than the average.
State Farm also rates extremely highly, with a score of 829.
J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.
| Insurance company | Overall satisfaction score |
|---|---|
| Farmers | 792 |
| Travelers | 794 |
| Progressive | 801 |
| Chubb | 809 |
| Allstate | 815 |
| Nationwide | 816 |
| State Farm | 829 |
| Country Financial | 830 |
| State Auto | Not included |
| Texas Farm Bureau | Not included |
| USAA | 884* |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria. | |
Meanwhile, Cincinnati Insurance rates highest on the NAIC Complaint Index. On a scale of 0 to 2, the company has a rating of 0.06.
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
| Insurance company | Compliant Index rating |
|---|---|
| Cincinnati Insurance | 0.06 |
| Country Financial | 0.07 |
| Chubb | 0.14 |
| Travelers | 0.17 |
| Georgia Farm Bureau | 0.24 |
| Nationwide | 0.29 |
| USAA | 0.31 |
| Allstate | 0.33 |
| State Farm | 0.35 |
| Farmers | 0.39 |
| Progressive | 0.85 |
| Source: National Association of Insurance Commissioners (2022 data) | |
Home insurance risks in Atlanta
Depending on the season, thunderstorms, tornados and hurricanes are all common in Georgia.
Often, these weather events bring wind and hail, both of which are covered by typical homeowners insurance companies. However, most policies do not cover flood damage.
Flood insurance in Georgia
Most home insurance policies don’t cover damage from flooding, but you can buy flood insurance to protect your home and belongings.
Depending on your location, lenders may require flood insurance in order to approve your mortgage. Or, if you just choose to add the coverage, you can often still purchase it through the National Flood Insurance Program (NFIP) or through certain private companies.
Frequently asked questions
The average home insurance rate in Atlanta is $1,968 a year, or $164 a month.
Farmers has the cheapest home insurance rates in Atlanta, charging $1,451 a year. Nationwide and Progressive are the next-best options.
Home insurance is not required in the state of Georgia, but most lenders still require it. So, if you have a mortgage, you’ll likely need it.
Methodology
We collected quotes from every ZIP code in Atlanta, Georgia, for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
- Atlanta
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