Best homeowners insurance in Savannah, GA (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Savannah.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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While known for its warm, sunny climate, Savannah is a coastal city that experiences rough weather conditions during tropical storm season. Given the high risk of coastal windstorm damage, Savannah residents should make sure they have a comprehensive homeowners insurance policy. Those who live right along the coast are at especially high risk for flooding, which makes additional flood insurance an important part of protecting your home.

Compare home insurance rates in Savannah

Compare the best cheap homeowners insurance companies in Savannah

Of the companies we evaluated, we found Allstate has the lowest rates in Savannah, with an average policy cost of $779 per year. That’s 142% less than the citywide average of $1,887 per year. Average annual rates for Auto-Owners Insurance and State Farm are also less than the city average.

Looking at the largest companies in Savannah by market share, Policygenius analyzed the latest rate data from Quadrant Information Services. We then looked at 2022 J.D. Power customer satisfaction scores and compared that with the coverage needs of Savannah residents to find the best homeowners insurance in Savannah. 

To find the best cheap homeowners insurance in Savannah, Policygenius rated over a dozen of the largest insurance companies in Georgia across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

Auto-Owners Insurance

$94

5.0 out of 5

State Farm

$156

4.8 out of 5

Farmers

$252

4.5 out of 5

Allstate

$65

4.4 out of 5

Travelers

$212

4.4 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

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2024 Policygenius award winner

Auto-Owners Insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Auto-Owners Insurance is one of the highest rated homeowners insurance companies in our analysis thanks to its mix of extensive policy and coverage options, high marks for financial strength and customer experience ratings, and affordable premiums.

Pros and conschevron icon

Pros

  • Offers a slew of extra coverage add-ons

  • Lots of discounts available

  • Flood insurance available through the NFIP

Cons

  • Not able to get quotes or file claims online

More detailschevron icon

Why Auto-Owners Insurance is our pick for best for low premiums

Auto-Owners Insurance scores at least a 4 out of 5 for price, customer experience, coverage options, and financial strength, which earned it a perfect 5 out of 5 Policygenius rating.

With up to 23 policy endorsements — such as guaranteed replacement cost, inland flood coverage, and a comprehensive Homeowners Plus endorsement package — Auto-Owners offers excellent value for the coverage you're getting that surpasses competitors.

You can also take advantage of up to 12 Auto-Owners discounts to get your rates even lower. To put that into context, the average number of discounts the companies we reviewed offer is only 7.

How much does Auto-Owners home insurance cost in Savannah?

The average cost of an Auto-Owners home insurance policy in Savannah is $94 per month, according to sample quotes provided to us by Quadrant Information Services. This makes Auto-Owners Insurance cheaper than both the national and state averages. 

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is one of the top home insurance companies in Georgia thanks to its large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Save money when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is the best company for add-ons in Savannah

We like State Farm's robust coverage options, including extended replacement cost coverage, water backup protection, appliance coverage, inflation guard, and others.

State Farm is also known for its dependable customer service — from shopping and setting up your policy, to making changes to your coverage, to filing a claim.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the Savannah average?

The average cost of State Farm home insurance in Savannah is $156 per month, which is higher than the state average of $163 per month.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is one of the best home insurance companies in Georgia for combining high claims satisfaction scores with a range of coverage add-ons and discounts.

Pros and conschevron icon

Pros

  • Lots of discounts to save on rates

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Farmers also receives fewer complaints than average, according to the National Association of Insurance Commissioners.

You can add some impressive coverages to a basic Farmers home insurance policy, like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Depending on where you live, you could save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.

Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.

How do Farmers home insurance rates compare to the average in Savannah?

The average cost of Farmers home insurance in Savannah is $252 per month, which is higher than the average premium in Savannah of $157 per month.

How to get a quote

Online through Farmers

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a standout option. Airbnb hosts may benefit from Allstate coverage thanks HostAdvantage — its affordable short-term rental coverage that can be added to any policy.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why we chose Allstate

Allstate is a great all-around company for its robust coverage options, strong financial strength, and its often affordable coverage.

In Georgia, we found that Allstate may not be the cheapest homeowners insurance coverage, but its lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options make it one of the top choices for homeowners in Savannah. The company also offers a few discounts that will be easy for many people to qualify for, including discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires.

How do Allstate home insurance rates compare to the Savannah average?

The average annual cost of an Allstate home insurance policy in Savannah is $65 per month, much less than the citywide average of $157 per month.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

Travelers

Travelers home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

New homebuyer discount

Mobile app

Offers extended replacement cost

Offers flood insurance

Why we chose itchevron icon

Travelers offers some of the best homeowners insurance in Georgia despite higher-than-average rates thanks to industry-best financial ratings and flexible policy options for most home types.

Pros and conschevron icon

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

More detailschevron icon

Why we chose Travelers

Travelers is a reputable home insurance provider that offers comprehensive policy options. One of Travelers's benefits is its willingness to cover risks that other insurance companies won't. These risks include no prior insurance coverage, coverage for short term rentals, and liability protection for trampoline injuries if its fitted with protective netting.

How do Travelers home insurance rates compare to the Savannah average?

The average cost of Travelers home insurance in Savannah is $212 per month, which is more expensive than the city average monthly premium of $157.

How to get a quote

Online through Policygenius or Travelers

Compare home insurance rates in Savannah

How much is homeowners insurance in Savannah?

The average cost of home insurance in Savannah is $1,887 per year, or $157 a month, for a policy with $300,000 in dwelling coverage. This is around 3% cheaper than the average annual cost of $1,950 for homeowners insurance in Georgia, and about 8% higher than the national average. 

Savannah home insurance rates by ZIP code

Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain Savannah neighborhoods may be more prone to extreme weather damage or property crime than others.

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Savannah.

ZIP code

Average annual cost

Difference from state average (%)

31419

$1,814

-7%

31405

$1,981

2%

31406

$1,924

-1%

31404

$1,825

-6%

31407

$1,836

-6%

31401

$1,921

-1%

31415

$1,959

0%

31409

$1,804

-7%

31421

$1,907

-2%

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Cheapest ZIP codes for home insurance in Savannah

With an average home insurance rate of $1,804 per year, the 31409 ZIP code is the most affordable area for home insurance in Savannah.

ZIP code

Average annual cost

Difference from state average (%)

31409

$1,804

-7%

31419

$1,814

-7%

31404

$1,825

-6%

31407

$1,836

-6%

31421

$1,907

-2%

Most expensive areas for homeowners insurance in Savannah

With an average annual premium of $1,981, the 31405 ZIP code is the most expensive ZIP code in Savannah for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.

ZIP code

Average annual cost

Difference from state average (%)

31405

$1,981

2%

31415

$1,959

0%

31406

$1,924

-1%

31401

$1,921

-1%

Learn more >> Home insurance rates by ZIP code

Savannah home insurance costs by coverage amount

Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster.

Here are the average rates for homeowners insurance based on coverage amount.

Dwelling coverage limit

Average annual cost

$100,000

$871

$200,000

$1,400

$300,000

$1,887

$400,000

$2,432

$500,000

$2,989

Savannah home insurance costs by deductible amount

Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim. Here are the average rates for homeowners coverage by deductible amount.

Deductible

Average annual cost

$500

$1,936

$1,000

$1,564

$2,000

$1,127

Cheapest homeowners insurance companies in Savannah

Based on our analysis, Allstate, Auto-Owners Insurance, and Cincinnati Insurance are the three cheapest home insurance companies in Savannah, with average premiums citywide ranging from $779 to $1,263 per year.

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Cheapest home insurance in Savannah if you have poor credit

bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher.

Here are the average rates for homeowners insurance for Savannah residents with poor credit.

Company

Average annual cost

Cincinnati Insurance

$1,307

Allstate

$1,466

Chubb

$1,943

Country Financial

$2,319

Alfa Insurance

$3,108

Farm Bureau Insurance

$3,134

State Farm

$3,220

Nationwide

$3,348

Travelers

$3,486

USAA

$3,526

Farmers

$5,602

Auto-Owners Insurance

$12,097

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Cheapest home insurance in Savannah if you have an older home

Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code. Here are the average homeowners insurance rates for Savannah residents with older homes.

Company

Average annual cost

Allstate

$748

Auto-Owners Insurance

$1,084

Cincinnati Insurance

$1,240

Chubb

$1,359

State Farm

$1,845

Country Financial

$1,979

Alfa Insurance

$2,063

Farm Bureau Insurance

$2,107

USAA

$2,486

Nationwide

$2,540

Travelers

$2,549

Farmers

$3,568

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Cheapest homeowners insurance in Savannah if you have a history of claims

Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result.

Here's the cheapest home insurance companies in Savannah for a homeowner with three claims within a five-year period on their record.

Company

Average annual cost

Auto-Owners Insurance

$1,130

Chubb

$1,359

Allstate

$1,469

State Farm

$2,105

Alfa Insurance

$2,188

Farm Bureau Insurance

$2,568

USAA

$2,869

Cincinnati Insurance

$2,894

Country Financial

$3,365

Travelers

$4,358

Nationwide

$4,957

Farmers

$5,126

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How to get homeowners insurance quotes in Savannah

Here are the steps to take as you shop for homeowners insurance in Savannah:

5 steps to buying homeowners insurance in Savannah, GA

  1. Reach out to a licensed Policygenius agent. Our experts can help you figure out exactly what kind of homeowners coverage is best for your needs. They can explain the features of the policy, deductibles, and potential additional coverage to consider at no charge and without any impact to your credit score.

  2. Ask about the Georgia Underwriting Association – Georgia’s FAIR plan provider. This is a plan that is designed to help cover homeowners in areas that are considered high risk. In Savannah, many homes may be ineligible for coverage with a standard company due to wind damage risk. You can also be considered high risk if you’ve filed frequent claims in the past. If you’re struggling to find coverage through a traditional insurer, ask your Policygenius agent if this coverage is a good option for you.

  3. Consider flood insurance. This isn’t something every homeowner needs, but it’s something you should ask about if you live in Savannah. As a coastal city, there’s a higher chance of flooding due to major storms. There’s also a lot of rainfall in Savannah, which can cause flooding even if you don’t have an ocean view. Ask about your home’s flood risk and whether or not you need flood insurance.  

  4. Figure out how much of a deductible you can afford. A higher deductible can lower your premium, but that means you have to pay more out of pocket every time you file a claim. Consider carefully how much you’re comfortable paying and whether it will easily fit into your budget. Don’t go so high that your deductible becomes unmanageable.

  5. Compare your Policygenius quotes. Once you figure out how much insurance you need, the kind of coverage you need, and your preferred deductible, then it’s time to look at quotes. Your Policygenius agent can help you evaluate quotes from each insurance company so you can make the best choice for your individual needs.

  6. Sign your policy and pay your first premium. You’ve done all the legwork, figured out exactly what you need, and chosen the perfect insurance company for you. Now it’s time to sign the policy and make your first premium payment. Your Policygenius agent can even help you cancel your old policy if it’s not yet up for renewal.

Compare home insurance rates in Savannah

Frequently asked questions

Why is homeowners insurance expensive in Georgia?

It may be expensive to get homeowners insurance in Georgia due to the high risk of coastal storm damage in cities like Savannah. This comes in the form of heavy rainfall and storm surge, but also hurricane-force winds.

Is homeowners insurance required in Georgia?

No, the State of Georgia does not require homeowners insurance. However, if you have a mortgage on your home, then your lender may require homeowners insurance with specific minimums. Inquire with your lender to be sure your insurance obligations are properly met.

How can I lower my insurance in Savannah?

Ask about discounts and consider bundling your home and auto policies with the same company to lower your rates even more. Additionally, look into installing a security system or going with a higher deductible to lower your annual premium.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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