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Georgia Home Insurance Estimator โ€” Updated 2026

State abbreviation: GA

Homeowners insurance in Georgia averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $395,000, you should budget 0.36% of its value annually for insurance. Insurance costs here are near or below the national average.

Georgia Financial Data (2026)

State Tax Rate
5.75%
Property Tax Rate
0.92%
Median Home Price
$395,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
97
State Abbreviation
GA