$2,109
Georgia county average (2024)
146 of 159
Counties with data
$3,143
Highest: Fulton
$1,554
Lowest: Whitfield
Georgia counties by home insurance cost
All 146 natively covered Georgia counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Fulton | $3,143 | +53% | 0.75% |
| 2 | Chatham | $2,840 | +38% | 0.84% |
| 3 | Jenkins | $2,805 | +37% | 1.79% |
| 4 | Liberty | $2,791 | +36% | 1.12% |
| 5 | Miller | $2,790 | +36% | 1.74% |
| 6 | Dooly | $2,776 | +35% | 2.01% |
| 7 | Cobb | $2,670 | +30% | 0.62% |
| 8 | Forsyth | $2,604 | +27% | 0.42% |
| 9 | Seminole | $2,566 | +25% | 1.78% |
| 10 | Fayette | $2,535 | +24% | 0.51% |
| 11 | Houston | $2,513 | +22% | 0.97% |
| 12 | Gwinnett | $2,470 | +20% | 0.60% |
| 13 | Early | $2,468 | +20% | 1.90% |
| 14 | DeKalb | $2,454 | +20% | 0.72% |
| 15 | Cherokee | $2,448 | +19% | 0.51% |
| 16 | Toombs | $2,439 | +19% | 1.39% |
| 17 | Macon | $2,438 | +19% | 2.29% |
| 18 | Bryan | $2,434 | +19% | 0.60% |
| 19 | Candler | $2,412 | +18% | 1.06% |
| 20 | Hall | $2,403 | +17% | 0.61% |
| 21 | Bulloch | $2,403 | +17% | 0.84% |
| 22 | Crisp | $2,401 | +17% | 1.66% |
| 23 | Turner | $2,381 | +16% | 1.71% |
| 24 | Camden | $2,371 | +16% | 0.77% |
| 25 | Mitchell | $2,363 | +15% | 1.51% |
| 26 | Haralson | $2,355 | +15% | 0.85% |
| 27 | Greene | $2,351 | +15% | 0.37% |
| 28 | Henry | $2,349 | +14% | 0.73% |
| 29 | Clinch | $2,345 | +14% | 1.89% |
| 30 | McIntosh | $2,344 | +14% | 0.84% |
| 31 | Lincoln | $2,323 | +13% | 0.87% |
| 32 | Rockdale | $2,309 | +12% | 0.76% |
| 33 | Emanuel | $2,299 | +12% | 1.64% |
| 34 | Glynn | $2,292 | +12% | 0.64% |
| 35 | Bleckley | $2,289 | +12% | 1.25% |
| 36 | Thomas | $2,279 | +11% | 0.99% |
| 37 | Telfair | $2,267 | +10% | 1.95% |
| 38 | Montgomery | $2,265 | +10% | 1.27% |
| 39 | Brantley | $2,264 | +10% | 1.27% |
| 40 | Peach | $2,256 | +10% | 0.95% |
| 41 | Appling | $2,213 | +8% | 1.34% |
| 42 | Pike | $2,205 | +7% | 0.57% |
| 43 | Fannin | $2,196 | +7% | 0.43% |
| 44 | Crawford | $2,192 | +7% | 1.05% |
| 45 | Bacon | $2,183 | +6% | 1.34% |
| 46 | Harris | $2,180 | +6% | 0.57% |
| 47 | Marion | $2,180 | +6% | 1.18% |
| 48 | Irwin | $2,170 | +6% | 1.42% |
| 49 | Clayton | $2,166 | +6% | 0.94% |
| 50 | Taylor | $2,165 | +5% | 1.38% |
| 51 | Screven | $2,165 | +5% | 1.13% |
| 52 | Walton | $2,162 | +5% | 0.55% |
| 53 | Tattnall | $2,161 | +5% | 1.07% |
| 54 | Habersham | $2,154 | +5% | 0.67% |
| 55 | Dodge | $2,145 | +5% | 1.35% |
| 56 | Jefferson | $2,140 | +4% | 1.83% |
| 57 | Chattahoochee | $2,138 | +4% | 1.46% |
| 58 | Gilmer | $2,131 | +4% | 0.51% |
| 59 | Heard | $2,127 | +4% | 0.77% |
| 60 | Elbert | $2,127 | +4% | 1.16% |
| 61 | Wayne | $2,117 | +3% | 0.97% |
| 62 | Rabun | $2,115 | +3% | 0.51% |
| 63 | Echols | $2,115 | +3% | 1.19% |
| 64 | Washington | $2,112 | +3% | 1.35% |
| 65 | Long | $2,101 | +2% | 0.74% |
| 66 | Coweta | $2,093 | +2% | 0.53% |
| 67 | Oglethorpe | $2,091 | +2% | 0.65% |
| 68 | Burke | $2,089 | +2% | 1.15% |
| 69 | Effingham | $2,077 | +1% | 0.61% |
| 70 | Douglas | $2,076 | +1% | 0.68% |
| 71 | Hancock | $2,069 | +1% | 0.96% |
| 72 | Morgan | $2,066 | +1% | 0.45% |
| 73 | Bartow | $2,053 | 0% | 0.62% |
| 74 | Jackson | $2,052 | 0% | 0.50% |
| 75 | Columbia | $2,037 | -1% | 0.61% |
| 76 | Newton | $2,036 | -1% | 0.68% |
| 77 | Dade | $2,034 | -1% | 0.79% |
| 78 | Pickens | $2,030 | -1% | 0.51% |
| 79 | Pulaski | $2,023 | -1% | 1.11% |
| 80 | Chattooga | $2,022 | -1% | 1.11% |
| 81 | Warren | $2,021 | -2% | 1.69% |
| 82 | Oconee | $2,020 | -2% | 0.36% |
| 83 | Talbot | $2,018 | -2% | 1.06% |
| 84 | Towns | $2,018 | -2% | 0.50% |
| 85 | Paulding | $2,018 | -2% | 0.58% |
| 86 | Laurens | $2,013 | -2% | 1.08% |
| 87 | Meriwether | $2,006 | -2% | 0.91% |
| 88 | Lumpkin | $2,003 | -2% | 0.50% |
| 89 | Butts | $1,999 | -3% | 0.72% |
| 90 | Monroe | $1,998 | -3% | 0.59% |
| 91 | Union | $1,997 | -3% | 0.51% |
| 92 | Putnam | $1,986 | -3% | 0.47% |
| 93 | Dawson | $1,984 | -3% | 0.43% |
| 94 | Madison | $1,984 | -3% | 0.60% |
| 95 | Charlton | $1,983 | -3% | 0.92% |
| 96 | Schley | $1,980 | -4% | 1.04% |
| 97 | Ben Hill | $1,970 | -4% | 1.57% |
| 98 | Carroll | $1,965 | -4% | 0.67% |
| 99 | Jones | $1,962 | -4% | 0.77% |
| 100 | Wilkinson | $1,961 | -4% | 1.33% |
| 101 | White | $1,959 | -5% | 0.60% |
| 102 | Banks | $1,955 | -5% | 0.56% |
| 103 | Grady | $1,955 | -5% | 1.00% |
| 104 | Jasper | $1,954 | -5% | 0.59% |
| 105 | Polk | $1,945 | -5% | 0.85% |
| 106 | Clarke | $1,942 | -5% | 0.58% |
| 107 | Hart | $1,938 | -6% | 0.60% |
| 108 | Wilkes | $1,920 | -6% | 1.11% |
| 109 | Spalding | $1,919 | -7% | 0.81% |
| 110 | Coffee | $1,919 | -7% | 1.05% |
| 111 | Jeff Davis | $1,905 | -7% | 1.23% |
| 112 | Baldwin | $1,901 | -7% | 0.80% |
| 113 | Floyd | $1,899 | -7% | 0.80% |
| 114 | Brooks | $1,895 | -8% | 0.98% |
| 115 | Evans | $1,893 | -8% | 1.05% |
| 116 | Terrell | $1,887 | -8% | 1.56% |
| 117 | Stephens | $1,886 | -8% | 0.79% |
| 118 | Decatur | $1,880 | -8% | 1.09% |
| 119 | Twiggs | $1,878 | -9% | 1.75% |
| 120 | Colquitt | $1,873 | -9% | 1.10% |
| 121 | Walker | $1,870 | -9% | 0.76% |
| 122 | Richmond | $1,868 | -9% | 0.95% |
| 123 | Lamar | $1,868 | -9% | 0.64% |
| 124 | Troup | $1,865 | -9% | 0.78% |
| 125 | Pierce | $1,856 | -10% | 0.86% |
| 126 | Franklin | $1,855 | -10% | 0.63% |
| 127 | McDuffie | $1,854 | -10% | 0.92% |
| 128 | Barrow | $1,852 | -10% | 0.53% |
| 129 | Upson | $1,847 | -10% | 0.96% |
| 130 | Catoosa | $1,822 | -11% | 0.62% |
| 131 | Tift | $1,816 | -12% | 0.85% |
| 132 | Sumter | $1,814 | -12% | 1.31% |
| 133 | Berrien | $1,794 | -13% | 0.92% |
| 134 | Lee | $1,767 | -14% | 0.66% |
| 135 | Worth | $1,766 | -14% | 1.00% |
| 136 | Lowndes | $1,765 | -14% | 0.76% |
| 137 | Dougherty | $1,762 | -14% | 1.36% |
| 138 | Ware | $1,761 | -14% | 1.19% |
| 139 | Cook | $1,758 | -14% | 1.01% |
| 140 | Lanier | $1,754 | -15% | 0.79% |
| 141 | Muscogee | $1,754 | -15% | 0.92% |
| 142 | Murray | $1,739 | -15% | 0.70% |
| 143 | Bibb | $1,728 | -16% | 0.99% |
| 144 | Gordon | $1,726 | -16% | 0.61% |
| 145 | Johnson | $1,706 | -17% | 1.18% |
| 146 | Whitfield | $1,554 | -24% | 0.61% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Georgia average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Georgia (2024)," https://hearthmap.app/home-insurance-by-county/georgia. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Georgia: frequently asked questions
- What is the average cost of homeowners insurance in Georgia?
- The average homeowners insurance premium in Georgia was $2,109 per year in 2024, a simple mean across the 146 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Georgia county has the cheapest home insurance?
- Whitfield had the lowest average homeowners insurance premium in Georgia at $1,554 per year in 2024.
- Which Georgia county has the most expensive home insurance?
- Fulton had the highest average homeowners insurance premium in Georgia at $3,143 per year in 2024.
- How many Georgia counties are in this dataset?
- 146 of 159 Georgia counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Georgia
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Georgia cost of living, schools & demographics
Home insurance by county in other states:
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