Atlanta Insurance Rates:

Atlanta, GA home insurance is roughly $795 to $1,081, about $66-$90/month. Our exhaustive guide shows customers can save upto $375 by comparing different quotes

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Read Atlanta, Georgia Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Atlanta Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $520/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 1790 sqft Primary Residence Constructed In 1999 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $180/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1570 sqft Primary Residence Constructed In 2000 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 1480 sqft Vacation Property Constructed In 2014 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 940 sqft Primary Residence Constructed In 1985 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $810/5 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $245,000

1 Bed, 1 Bath 1064 sqft Rental Property Constructed In 2009 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/2 months for $160,000 Coverage
1 bedroom apartment with new appliances, hardwood floors, dining area, ample closet space and large Master bedroom. Just on the border of Buckhead & close to Marta and all the security & amenities
Recent graduate from college. Single. OK credit. New Home with big mortgage. Entry level stable job making decent entry level salary.
Home Insurance Rate of $84/1 month for $145,000 Coverage
I live in a middle class location with lots of professionals. This part of suburbia has very little crime & other issues.
I have a small home office and work from here on Fridays but during Monday to Thursday I am on the road with my sales job. I am a single divorced guy.

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Atlanta Rates & Quotes Analysis:

Atlanta Area Estimated House Insurance
Melbenan Dr SW, Maynard Ct NW, Hayden Ln, Grant St SW, Swmartin Luther King Jr Dr, Haven Ridge Dr NW, Wells St SW, Carter St NW, 4th St NW, Westphalia Ct$845
Hampshire Park Way, Fulton Industrial Blvd SW, Elliott St SW, John Wesley Dobbs Ave NE, Richardson St SE, Cascade Palmetto Hwy, Haldane Dr SW, Iswald St SE, Hazelwood Dr SW, Santa Barbara Dr NW$858
Kings Tavern Pl NW, Spalding Cir NE, Chateau Dr NW, Tuckawanna Dr SW, Cutbank Ct SW, Stone Rd SW, Breakwater Cir NE, Weyman Ct NW, Monet Ct NW, Florida Ave SE$924
S Evelyn Pl NW, Mark Pl NW, Landowne Dr, St James Pl NW, Sampson St NE, Cologne Dr SE, Tribble Dr NW, Rhinehill Rd SE, Graham St SW, Summit Pkwy$856
Zone Ave SW, River Overlook Dr NW, Welch St SW, E Chambord Dr NW, Diann Dr SW, Alyson Ct SE, Treelodge Pkwy, Austin Ave NE, E Belle Isle Rd NE, W Fair St SW$925
Ridgewood Ter NW, Lorenzo Dr SW, Strauss Ln, Gordon Cir, Chicago Ave NW, Rose Gate Dr NE, Bethany Forest Dr SW, Miami Cir NE, Mango Cir NW, Edwards St NW$918
E Idlewood Ln, Redwood Run, Ollie St NW, Benjamin Weldon Bickers Jr Dr SE, West Ave SW, Forrest Hills Dr, Fitzgerald Pl, Eastbrook Ter, Stamford Rd SW, Chastain Cove NE$903
Sugar Mill Rd, Alta Ave NE, Pylant St NE, Mills St NW, Wedgewood Dr NW, The North Chace NE, Mills Pl SW, Vallo Vista Ct NE, la Salle Way SW, Polar Rock Ave SW$875
Fraser St SE, 8th St SW, Boulevard NE, Forest Valley Rd NE, Abington Dr NE, Fordham Ct NE, Second St NW, Bluefield Dr SW, Scott St SW, Lynn Valley Rd SW$1,020
Long Island Way NW, Sardis Way NE, Bonnybrook Dr, E Handy Dr NW, Farley Ave, Essie Ave SE, Hood Dr SW, Madeline Ln, Santa Rosa Dr SW, Paines Ave NW$860

Insurance rates are influenced by a number of factors including:

  • Year Built: 33,117 Homes (11% of total) built between 1970 to 1979 in Atlanta are paying home insurance between $1,520-$1,534 in contrast with Fulton County (+$12), Vinings (+$60), Druid Hills (+$227), Mableton (-$66) and East Point (-$102).
  • Bedrooms: 64,509 3 bedrooms homes (24% of total homes ) in Atlanta are paying about $835 in contrast with Fulton County (+$7), Vinings (+$33), Druid Hills (+$124), Mableton (-$36) and East Point (-$47).
  • Auto Insurance Bundling: 45,298 Households (42% of all households) in Atlanta have 2 vehicles available and when it is bundled with home insurance you can save $187. Discounts for similar bundling in close by locations such as Fulton County, Mableton, Vinings come to $189, $179, $195 respectively.
  • Senior Discounts: 42,954 seniors (more than 55 years) occupied housing units (40% of total) in Atlanta get discounts between $140 to $143 compared to Fulton County ($141), Mableton ($134), Vinings ($146).
  • New Homes discounts: New homes such as the 129,711 homes built between 2000 to 2009 in Atlanta can save $187 and similar new home insurance discounts in nearby towns and cities like Fulton County, Mableton and Vinings are $189, $179 and $195 respectively.

Atlanta Homeowners insurance Facts

  • Atlanta, GA has 106,013 owner occupied houses which is 47.2% of all units whereas Fulton County, Mableton and Vinings have 54.65%, 67.7% and 45.89% respectively.
  • Atlanta, GA homeowners yearly insurance price at $938 is 0.4% of the typical house value of $234,100 which is in contrast with 0.38% in Fulton County, 0.56% at Mableton & 0.32% in Vinings.
  • Homeowners in Atlanta, GA pay 4.17% of their income ($20,000 to $24,999) in insurance whereas homeowners in Fulton County, Mableton and Vinings pay 4.2%, 3.99% and 4.33% respectively.
  • Atlanta, GA’s insurance is 4.0% of monthly housing costs of $1,962/month, for owners with a mortgage compared to 4.07% in Fulton County, 5.01% at Mableton & 3.86% in Vinings. But, for households without a mortgage, insurance is 13.2% of costs ($593 in Atlanta, GA) in contrast with 13.58% in Fulton County, 21.0% at Mableton & 13.06% in Vinings.

Atlanta, GA Home Values & Insurance rates

For example, insurance for 1,586 Homes (2.0% of total homes ) valued between $50,000 to $59,999 in Atlanta, GA is about $206. Rates in nearby areas in such as Fulton County, Sandy Springs, Chamblee are cheaper by $8, $81, $8 respectively while Mableton and East Point are costlier by $81 and $179 respectively for similar homes.

Atlanta, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,437 5.0% $93
$50,000 to $59,999 1,586 2.0% $206
$60,000 to $69,999 1,854 2.0% $253
$70,000 to $79,999 2,429 3.0% $300
$80,000 to $89,999 3,263 4.0% $337
$90,000 to $99,999 3,210 4.0% $375
$100,000 to $124,999 7,406 9.0% $431
$125,000 to $149,999 6,204 8.0% $544
$150,000 to $174,999 9,942 13.0% $647
$175,000 to $199,999 6,336 8.0% $750
$200,000 to $249,999 9,317 12.0% $900
$250,000 to $299,999 7,110 9.0% $1097
$300,000 to $399,999 11,399 15.0% $1397

Renters Insurance in Atlanta

  • Average Renters Insurance in Atlanta :  $130($10/month)

  • Median Gross Rent in Atlanta :  $944

  • Atlanta Renters Insurance to Median Rent Ratio:  1.06%

  • Renter occupied housing units in Atlanta :  118,440

Atlanta Renters Insurance as a Percentage of Rent

Atlanta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,319 2.0% $332
$200 to $299 4,568 3.0% $782
$300 to $499 5,676 4.0% $1232
$500 to $749 17,375 15.0% $1907
$750 to $999 34,926 30.0% $2657
$1,000 to $1,499 37,003 32.0% $3782
$1,500 or more 12,473 10.0% $5432

Rent Affordability in Atlanta:

Approximately 46.0% (55,525) of households are spending more than 35% of their income on gross rent in Atlanta

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 13,311 11.0%
15.0 to 19.9 percent 12,987 10.0%
20.0 to 24.9 percent 13,693 11.0%
25.0 to 29.9 percent 13,375 11.0%
30.0 to 34.9 percent 9,549 8.0%
35.0 percent or more 55,525 46.0%

Atlanta Renters Insurance Discounts:

Atlanta Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Atlanta, GA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 62,033 52.0% $13.0
2 vehicles available 22,784 19.0% $19.5
3 or more vehicles available 4,356 3.0% $26.0

Atlanta Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 6,789 5.0% $94
60 to 64 years 6,056 5.0% $75
65 to 74 years 6,452 5.0% $61
75 years and over 6,170 5.0% $47

Protective device discount in Atlanta Up to :  $19

Claims-free discount in Atlanta Up to :  $26

Atlanta, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
30310 $98,100 $870
30314 $97,900 $870
30327 $757,800 $1,280
30342 $487,100 $1,080
30306 $485,600 $1,110
30305 $470,200 $1,110
30350 $441,300 $1,090
30307 $406,500 $1,050
30319 $397,600 $1,050
30345 $344,000 $1,010
30339 $313,400 $990
30324 $310,800 $980
30326 $291,100 $1,000
30309 $291,000 $1,000
30329 $288,000 $990
30308 $268,300 $970
30360 $257,900 $960
30346 $243,600 $950
30317 $236,700 $940
30303 $211,900 $950
30313 $208,200 $940
30312 $196,300 $930
30318 $195,800 $920
30316 $179,600 $930
30331 $162,300 $910
30311 $148,300 $900
30349 $141,300 $890
30315 $125,900 $890

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