Best and cheapest home insurance in Alaska for 2024

Q: How much is home insurance in Alabama?

The average cost of Alabama home insurance is $3,147 per year for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.

Average home insurance cost in Alabama

The average cost of homeowners insurance in Alabama is $3,147 a year or $262 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Alabama homeowners insurance companies to get the best deal.

Best home insurance companies in Alabama

The best home insurance company in Alabama is Auto-Owners, followed by State Farm and Country Financial.

Below is a list of the top Alabama insurance companies we ranked based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Table

Best home insurance companies in Alabama
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Auto-Owners	A++	0.37	4.55	$2,868
State Farm	A++	0.83	3.98	$3,137
Country Financial	A+	0.26	3.65	$3,567
Allstate	A+	1.46	3.4	$2,134
Nationwide	A+	1.05	3.02	$3,465
Farmers	A	0.67	2.87	$3,231

*USAA only provides coverage to military members, veterans, and their families.

Data updated in 2024

Cheapest home insurance companies in Alabama

Below are Alabama home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, Allstate has the most affordable rates in every category by a wide margin.

Cheapest home insurance rates in Alabama by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Allstate	$1,782	$2,134	$2,568	$3,687	$5,910
Auto-Owners	$2,291	$2,868	$3,483	$4,717	$10,036
USAA*	$2,275	$2,990	$3,633	$4,904	$7,213
State Farm	$2,469	$3,137	$3,739	$4,828	$6,669
Farmers	$2,355	$3,231	$4,135	$6,270	$10,213
Nationwide	$2,610	$3,465	$4,396	$6,586	$10,623
Country Financial	$2,762	$3,567	$3,927	$5,405	$8,300
Alfa Corporation	$2,791	$3,784	$4,771	$6,760	$10,762

*USAA is only available to military members and their families

Data updated in 2024

Alabama home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Alabama to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

The Alabama Department of Insurance says...

"Strengthening your home against wind damage through Strengthen Alabama Homes may qualify you for homeowner insurance wind premium discounts. The FORTIFIED standard must be met and certified to take advantage of these discounts."

- The Alabama Department of Insurance

The most expensive ZIP codes in Alabama for home insurance

Alabama homeowners insurance rates are the most expensive for ZIP code 35578, with an average annual cost of $3,509.

The most expensive ZIP codes in Alabama are:

ZIP code	Average Annual Premium
35587	$3,509
35549	$3,500
35554	$3,487
35575	$3,475
35578	$3,445
35548	$3,437

Data updated in 2024

The least expensive ZIP codes in Alabama for home insurance

The cheapest ZIP codes for home insurance in Alabama are:

ZIP code	Average annual rate
36526	$2,499
36849	$2,519
36532	$2,523
36832	$2,527
36830	$2,530
35043	$2,534

Data updated in 2024

Compare homeowners insurance rates by city in Alabama

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Alabama.

City	Annual insurance premium
Florence	$2,295
Huntsville	$2,229
Montgomery	$1,998

Data updated in 2024

Frequently asked questions about Alabama homeowners insurance

How much is home insurance in Alabama?

The average cost of Alabama home insurance is $3,147 per year for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.

What company has the cheapest Alabama home insurance?

The cheapest home insurance Alabama homeowners can buy is from Allstate at an average cost of $2,134 per year.

What are the best homeowners insurance companies in Alabama?

Based on our Insurance.com analysis, the best home insurance companies include Auto-Owners, State Farm, Country Financial, and more. However, the best Alabama home insurance company for you may be different based on your needs, so be sure always to shop and compare multiple quotes.