Georgia Homeowners Insurance Rates Spike 36%

Homeowners insurance rates have risen sharply nationwide – and Georgia residents are feeling the hit.

According to a new report by LendingTree, Georgia homeowners are paying 11.9% today than they were in 2024.

Meanwhile, homeowners insurance rates have risen 35.8% since 2019 overall.

In other words, homeowners who were paying $2,000 per year for homeowners insurance in 2019 are now paying $2,716 per year in 2025.

These rates may seem high, but they’re actually lower than the nationwide average.

Across the United States, homeowners are paying an average of 40.4% higher rates for homeowners insurance since 2019. In some states, homeowners insurance has risen 50% to 77% over the last six years.

13% of Georgia Homes Are Uninsured

When homeowners insurance premiums rise, some homeowners go without.

Sometimes, insurers cancel policies. In other cases, homeowners fail to renew, choosing to go without insurance – say, if they own their home outright and choose to accept the added risk.

According to a WSB-TV Atlanta report, the average homeowner in Georgia pays around $2,870 per year for homeowners insurance.

That same report found roughly 13% of homes in Georgia are uninsured.

States with the Highest Increase in Insurance Premiums Since 2019

Homeowners in Georgia are paying 35.8% more for homeowners insurance today than they did in 2019. However, that increase places Georgia in the bottom half of the United States for average increase, ranking 29th overall.

The top 10 highest states with the largest increase in premiums, meanwhile, were:

1. Colorado: 76.6%
2. Nebraska: 72.3%
3. Utah: 70.6%
4. Arizona: 70.1%
5. Minnesota: 65.4%
6. Iowa: 60.6%
7. Illinois: 59.5%
8. Montana: 57.8%
9. South Dakota: 56.8%
10. California: 55.3%

Conversely, states with the smallest increase in premiums over that same period include Vermont (12.2%), Alaska (12.9%), and Maine (17.9%). Nevertheless, every state in America had at least double-digit increases in average homeowners insurance premiums over the last six years.

Average Homeowners Insurance Premiums Have Risen 11.4% Since 2024

The early 2020s saw some of the highest inflation rates in decades, so it makes sense that homeowners insurance premiums have risen.

However, homeowners insurance rates have continued to rise by double digits, on average, in the last 12 months.

According to the same Lending Tree report, the average homeowner in the United States is paying 11.4% year-over-year since 2024, with homeowners in Georgia paying 11.9% higher rates for homeowners insurance.

The top 10 states with the highest year-over-year increase, meanwhile, include:

1. Montana: 22.1%
2. Nebraska: 22.1%
3. Minnesota: 19.5%
4. Washington: 19.5%
5. North Dakota: 18.2%
6. Iowa: 17.7%
7. Utah: 17.4%
8. Missouri: 16.4%
9. South Dakota: 15.9%
10. Wisconsin: 15.5%

Georgia ranked 19th (11.9%).

All states recorded an increase in homeowners insurance premiums year-over-year from 2024. The states with the lowest average increase included Florida (1.7%), Texas (3.4%), New York (3.8%), and Nevada (4.3%).

LendingTree organized the study using RateWatch from S&P Global data. Wyoming was not included in the state-by-state analysis.