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Counties With the Cheapest Homeowners Insurance in Georgia (2026)

Whitfield has the lowest homeowners insurance of any county in Georgia, at $1,554, followed by Johnson and Gordon. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Georgia

Top 25 of 159 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Georgia
RankCountyValue
1Whitfield$1,554
2Johnson$1,706
3Gordon$1,726
4Bibb$1,728
5Murray$1,739
6Lanier$1,754
7Muscogee$1,754
8Cook$1,758
9Ware$1,761
10Dougherty$1,762
11Lowndes$1,765
12Worth$1,766
13Lee$1,767
14Berrien$1,794
15Sumter$1,814
16Tift$1,816
17Catoosa$1,822
18Upson$1,847
19Barrow$1,852
20McDuffie$1,854
21Franklin$1,855
22Pierce$1,856
23Troup$1,865
24Richmond$1,868
25Lamar$1,868

How this ranking works

This page ranks Georgia counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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