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Home Insurance and Car Insurance in Georgia
From Savannah to Atlanta and beyond, protecting your home and your vehicles is an important part of life in Georgia. Residents of the Peach state who shop for affordable home and auto insurance have plenty of concerns when shopping for coverage. SelectQuote helps you find the right amount of bundled home insurance and car insurance to safeguard your property without breaking your budget.Homeowners Insurance in Georgia
Georgia boasts scenic views and cities and towns for a variety of lifestyles. It’s no surprise that nearly 10.95 million people call the state of Georgia home.1 If you’re a homeowner in the state, it’s important to buy the right kind of home insurance coverage. Before you sit down to buy insurance, consider the following types of coverage:
- Actual cash value policies pay out either the value of your home or property, minus depreciation, or the full policy limit—whichever is lower. If your home is appraised at $250,000 but it costs $300,000 to rebuild, you’ll be responsible for the remaining $50,000.
- Full replacement cost policies cover the full cost of replacement or rebuilding and do not take depreciation into account.
Homeowners Insurance Coverage Options in Georgia
Nearly 65% of Georgia residents own their own homes,2 which makes insuring them even more important. If you’re buying home insurance in the Peach state, there’s a good chance your policy will include the following types of home insurance coverage:- Dwelling coverage protects the structure of your home, including the walls and roof.
- Personal property coverage will pay for replacement or repair for items in your home such as furniture, but it is subject to limitations.
- Guest medical protection coverage can help pay for medical bills if someone is injured in an accident on your property.
- Liability coverage defends you and protects against lawsuits if someone is injured on your property or in the event that you damage their property.
- Other structures coverage helps pay for damages to separate structures on your property, such as a detached garage.
Common Causes of Loss in Georgia
Many states share common risks for property damage and loss, including fire, theft and storms. Georgia homeowners may find their homes at particular risk of certain types of home insurance claims, such as:- Flooding: Flooding impacts many areas of the state and is not covered by most standard home insurance policies.
- Hurricanes: Georgia’s coastal geography makes parts of the state vulnerable to damage from severe tropical storms and hurricanes.
- Tornadoes: Even though Georgia isn’t located in Tornado Alley, the state can be prone to experiencing tornadoes.
Additional Coverage Options Recommended for Georgia Homeowners
Because of the hazards Georgia homeowners face that may not be covered by regular home insurance policies, the following additional coverage are recommended:- Flood insurance can be purchased through a private insurance company or as part of FEMA’s National Flood Insurance Program (NFIP).
- Windstorm coverage is a potential need for homeowners who live in areas at high risk of damage due to wind. This may even include the damage that comes from tropical cyclones.
- Hurricane insurance specifically covers damage due to hurricanes and may be required as part of your mortgage, especially if you live along the Georgia coast. You may be required to pay a separate hurricane deductible as part of this policy.
- Identity theft coverage is sometimes offered by home insurance companies and can help recoup the costs of fighting identity fraud.
- Seepage and leakage coverage is important for homeowners who are at risk of leakage via cracks or because of a backed-up sump pump. It is separate from flood insurance.
Our Home Insurance Partners in Georgia
SelectQuote partners with many highly rated home insurance companies in Georgia to provide you with affordable home insurance coverage. We compare rates from several Georgia home insurance companies simultaneously to quickly offer you insurance quotes and discounts.What is the average home insurance cost in Georgia?
The average monthly home insurance rate in Georgia for SelectQuote is $139.01.+ Your home insurance premiums may differ based on several factors. These include where you live, the age and condition of your home, your credit history and previously filed insurance claims.Homeowners Insurance Discounts in Georgia
Georgia homeowners insurance discounts are available for many customers based on several factors. You may be eligible for discounts by virtue of:- Your status as a military member
- Long-term customer loyalty
- Installation of home security systems or other anti-theft measures
- Home and auto insurance bundles
Bundle Your Home and Auto Insurance to Save Money
Among the best ways to save money on your Georgia home insurance is to bundle your policy with auto coverage. In fact, our customers save an average of $693 per year when they bundle these policies with a single insurance company.Average Home and Auto Insurance Rates in Georgia
The following information details the average rate for home and auto insurance paid by SelectQuote customers in select Georgia cities. It also shows how our customers can save significantly each month by bundling their home and auto policies.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Atlanta | $139.14 | $179.58 | $277.56 |
| Covington | $119.55 | $261.11 | $357.20 |
| Lithonia | $162.49 | $275.72 | $316.63 |
| Lawrenceville | $141.50 | $207.15 | $329.86 |
| Marietta | $160.87 | $208.30 | $346.82 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Georgia
Over 7.6 million licensed drivers call the state of Georgia home.3 With over 10.3 million registered vehicles4 on the road—including 6.6 million passenger vehicles—the potential for auto accidents and collisions is high. For reasons like these and others, buying auto insurance is essential to help protect you and your property in the event of an accident.Georgia Auto Insurance Laws and Requirements
Georgia requires all vehicle owners to purchase auto insurance to help cover the costs of car accidents for which they may be responsible. This insurance, known as liability insurance, comes in two forms: bodily injury liability and property damage liability.Bodily injury liability coverage pays for medical costs and funeral expenses for people injured in a crash that is your fault. It can even help cover you if another driver or person files a claim against you. Property damage liability coverage pays for damages to another person’s property. Minimum limits for these coverage are as follows5:- Bodily injury liability coverage: $25,000 per person, $50,000 per incident
- Property damage liability coverage: $25,000 per incident
- Collision coverage covers the costs of repairs or replacement for your vehicle after an incident involving another vehicle.
- Comprehensive coverage pays for damages related to theft, vandalism, fire and physical damage from other sources.
- Uninsured motorist and underinsured motorist insurance can help pay for additional costs related to an accident where other driver has insufficient insurance to pay damages.
- Gap insurance, which pays the difference between what you owe on a totaled vehicle and what it is currently worth.
- Personal injury protection helps pay costs associated with immediate medical bills for you and your vehicle’s passengers.
| Types of Coverage | Minimum Georgia Requirements |
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Other types of auto insurance coverage exist to help cover the costs of towing, vehicle rentals and more.
Georgia Teen Driving Laws
Georgia requires all teens to both have auto insurance (either on their own or through their parents/guardians) and a driver’s license. Driver’s licenses are available as part of a graduated program for young drivers ages 15 to 18.6 As teen drivers gain comfort and complete the requirements of the program, they are able to drive with fewer restrictions.Georgia Car Registration Information
As part of the vehicle registration process, Georgia requires all drivers to show proof of insurance. Proof of insurance can take the form of a letter from your insurance company on their letterhead, an insurance card or policy declaration.What is the average car insurance cost in Georgia?
The average cost of car insurance for SelectQuote customers in Georgia is $192.06+ per month. Georgia car insurance rates can differ based on several factors including:- Your age
- Your driving history
- The age, make and model of your vehicle
- Your credit score
- Where you live (ZIP code)
Our Auto Insurance Partners in Georgia
We work with several car insurance companies in Georgia to provide quotes for affordable car insurance. With SelectQuote, you can compare rates from several carriers at one time to find the best available deal—including through bundling your auto and home policies!Home and Auto Insurance Frequently Asked Questions
The following is a list of questions we are frequently asked about home and auto insurance.How do I shop for insurance in Georgia?
Shopping for insurance for your Georgia home or car shouldn’t be complicated. One of the best ways to shop for insurance is to compare rates from several companies at once. It can highlight differences in policies while helping you find the best deal.
How do I buy home insurance in Georgia?
The first thing to think about when buying insurance is to determine the appropriate level of coverage to meet your needs and budget. As you shop for insurance, take the following steps to ensure a smooth process:- Make a personal inventory and determine your home’s worth.
- Compare quotes from several insurance companies at once.
- Seek out any and all available discounts, including those for bundling home and auto insurance coverage.
- Save time and money by letting SelectQuote help you compare rates and policies.
How do I shop for auto insurance in Georgia?
Shopping for auto insurance is similar to buying home coverage, with the added caveat that there are minimum levels of coverage required by law:- Determine how much coverage you need to satisfy both legal requirements and the stipulations of your vehicle loan.
- Compare quotes from different insurance companies. Remember: cheaper may not always mean better.
- Seek out any discounts, including for bundling your auto and home insurance.
- Use SelectQuote to help you compare rates and discounts to find the best value for your needs.
Do I need mobile home insurance in Georgia?
Many insurance companies will not sell traditional home insurance to mobile home owners. Mobile homes often require specific coverage because of their increased risk for damage due to fire and wind.
Is uninsured motorist coverage required in Georgia?
Georgia does not require uninsured or underinsured motorist coverage, but you are able to buy that kind of insurance. Most insurance policies that include it bundle the two together.
What is the minimum legal auto insurance coverage in Georgia?
Georgia requires drivers to carry liability insurance with a 25/50/25 limit, but most experts recommend purchasing more coverage for better protection.
SelectQuote Can Shop Georgia Home or Auto Insurance to Save You Time and Money
Finding affordable home and auto insurance in Georgia shouldn’t be a hassle. SelectQuote can help you through the process. We put you in touch with homeowners insurance companies and car insurance companies that offer the coverage you need. We compare rates from several insurance companies at once to save you time and money on your coverage, including through policy bundle discounts.Sources
+Average rates calculated are based on effective SelectQuote customer policies in Georgia between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors
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