Best & Cheapest Homeowners Insurance in Savannah, GA For 2026

Savannah homeowners currently pay $1,272 per year for a homeowners insurance policy, largely because of hurricane and tropical storm exposure along the coast. Properties in the Historic District and low-lying areas near the Savannah River often carry higher premiums due to wind and flood risk.

Most standard policies here exclude flood damage entirely, so many residents need a separate flood policy through FEMA or a private carrier. We compare the cheapest insurers actively covering Savannah homes and explain how proximity to the coast, home age, and wind mitigation features affect your rate.

As you can see below, rates in Savannah are more expensive than the National average. They are also higher than the Georgia State average.

It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

What’s Changed In 2026?

• Savannah’s coastal location currently drives higher wind and hurricane deductibles compared to inland Georgia communities.
• Insurers have increased scrutiny of older homes in Savannah’s historic district, often requiring updated roofing and electrical before issuing policies.
• Flood insurance remains a separate but essential purchase for many Savannah homeowners, particularly in low-lying areas near the river and marshlands.
• Georgia regulators have approved rate increases for several carriers, making renewal shopping more worthwhile for Chatham County policyholders than before.
• Fortifying homes with hurricane straps, impact-rated shutters, or wind-resistant shingles currently helps Savannah residents access meaningful premium discounts.

Cheapest Homeowners Insurance in Savannah, GA

Chubb emerges as the cheapest overall option for homeowners insurance in Savannah, GA, with an average annual rate of $1,272.

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Chubb offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Savannah If You Have an Older Home

For those with older homes, State Farm offers the cheapest rates, averaging $1,857 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. State Farm offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, Chubb provides the most affordable solution, with an average annual rate of $1,946.

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Chubb understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Nationwide offers the most cost-effective solution, with an average annual rate of $730.

New constructions often require different coverage compared to older homes, and Nationwide excels in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance In Savannah for a History of Claims

For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $2,114

A history of claims can raise red flags for insurers, often leading to higher premiums. However, State Farm believes in second chances and offers reasonable rates for those with past claims.

Best Homeowners Insurance Companies in Savannah, GA

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Savannah’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Savannah, GA. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Savannah, GA can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Savannah, along with the five cheapest and most expensive zip codes in the area for annual home insurance premiums.

Cheapest Zip Codes

Most Expensive Zip Codes

Average Home Insurance Rates in Savannah, GA by Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Savannah, GA. Here’s how the average home insurance rates fluctuate  for different deductible amounts:

Average Home Insurance Rates in Savannah, GA By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Average Home Insurance Rates in Savannah, GA by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Savannah:

How Much is Homeowners Insurance for Other Cities in Georgia?

The following is a  detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Georgia.

Getting Online Homeowners Insurance Quotes in Georgia

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.