Best Home and Auto Insurance Georgia

Below are our picks for the best home and auto insurance bundling companies in Georgia:

Auto-Owners offers competitive home and auto insurance rates in Georgia, making it a top choice for non-military drivers. It provides various discounts across both policy types, including an 11% bundling discount. Known for its strong customer satisfaction, Auto-Owners is highly rated for auto insurance in Georgia, achieving a J.D. Power score of 859 out of 1,000. Nationally, it maintains a solid reputation for home insurance, further establishing itself as a reliable and well-rounded provider.

USAA is a leading home and auto insurance provider for military members and their families in Georgia, offering some of the most affordable rates available. It provides up to a 10% discount for bundling policies and additional savings through its SafePilot program, which rewards safe driving behaviors. 

Known for its exceptional customer service, USAA consistently receives high marks in satisfaction surveys. While it ranked highest in the J.D. Power 2024 U.S. Individual Annuity Study, its scores for auto and home insurance scores are not officially ranked due to its exclusive membership. For those eligible, USAA remains a top choice for comprehensive coverage, competitive pricing and strong customer support.

In Georgia, State Farm is a leading choice for bundling home and auto insurance, offering comprehensive coverage options and strong customer satisfaction. With an average bundled premium of $3,026 — making it the second most expensive provider on our list — State Farm distinguishes itself through its robust coverage options and reliable service. Its bundling options provide excellent protection for both home and auto, making it a standout for those seeking dependable, well-rounded insurance coverage.

In Georgia, the average cost of home and auto insurance is $230 per month, making it $28 less expensive than the national average. However, prices vary significantly based on the provider, with monthly average premiums ranging from $168 to $268.

Our analysis shows that purchasing separate policies in Georgia generally costs more than bundling, though your specific quotes might vary. To help you compare, we've listed average rates for various coverage options from our top providers, ranked from the least to the most expensive.

In Georgia, bundling your home and auto insurance is often more cost-effective than purchasing separate policies from different providers. However, it's important to assess your personal coverage needs and financial goals to decide what works best for you.

In Georgia, USAA, Auto-Owners and State Farm stand out as the top providers for home and auto insurance. Bundling these policies typically results in greater savings compared to purchasing them separately. However, it's always a good idea to explore different insurers and gather quotes to ensure you find the best option for your specific needs.

MoneyGeek addresses common questions about home and auto insurance in Georgia to help you get the best deal:

MoneyGeek used data from the Georgia Office of Insurance and Quadrant Information Services to calculate the rates for home and vehicle insurance.

Bundle Scoring System

We supplemented this data with customer satisfaction ratings from leading consumer-reporting agencies, including AM Best and J.D. Power, to generate individual scores for home insurance and auto insurance. Information on each insurer’s bundle discounts was also obtained to evaluate insurers for their savings potential.

Using this information, we calculated a “bundle score” out of 100, taking into account the following weighted categories:

• Score for home insurance: 40%
• Score for auto insurance: 40%
• Score for discounts: 20%

Car, Home and Buyer Profile in Georgia

MoneyGeek's typical profile is as follows:

• 40-year-old male
• Good driving history
• 2010 Toyota Camry LE
• 12K miles driven annually
• A home with a construction year of 2000

Coverage Levels in Georgia

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible