Insurance Costs in Roswell, GA
Auto insurance in Roswell averages $1,822 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Roswell, GA: What You Need to Know
Roswell residents pay an average of $1,822 per year for full coverage auto insurance, which is 12.0% below the Georgia state average and 8.8% above the national average.
With a population of 94,786, Roswell is a growing city in Georgia. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,822 | $152 |
| Standard Coverage (50/100/50) | $1,494 | $124 |
| State Minimum (25/50/25) | $765 | $64 |
Homeowners Insurance in Roswell, GA
The average cost of homeowners insurance in Roswell is $2,078 per year ($173/month), which is 14.2% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Roswell, GA
Renters insurance in Roswell averages $218 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Georgia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Atlanta | $2,588/yr | $2,229/yr |
| Columbus | $2,153/yr | $1,662/yr |
| Augusta | $2,236/yr | $1,738/yr |
| Macon | $2,318/yr | $1,700/yr |
| Savannah | $2,277/yr | $2,040/yr |
| Athens | $2,111/yr | $1,662/yr |
| Sandy Springs | $1,966/yr | $2,172/yr |
| Johns Creek | $1,760/yr | $2,116/yr |
How to Save on Insurance in Roswell
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Roswell can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Roswell, GA?
The average cost of car insurance in Roswell, GA is $1,822 per year for full coverage, or about $152 per month. Minimum coverage costs around $765 per year.
Is car insurance expensive in Roswell?
Car insurance in Roswell is about average for the U.S.
How much is home insurance in Roswell?
Homeowners insurance in Roswell costs an average of $2,078 per year. Your actual cost depends on your home's value, age, construction type, and specific location.