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homeowners insurance in Alabama

Auto-Owners is the best homeowners insurance company in Alabama, with an overall rating of 3.98 in Insurance.com's recent ranking. USAA is the second-best home insurance company in Alabama, with an overall rating of 3.95.

Allstate offers the cheapest home insurance in Alabama at all coverage levels.

With so many options, it's not easy to choose a homeowners insurance company in Alabama. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, keep reading.

Key takeaways

  • The average cost of homeowners insurance in Alabama is $3,066 a year or $255 a month.
  • Alabama's cheapest homeowners insurance company is Allstate, with an average home insurance rate of $1,323 annually.
  • Auto-Owners ranks as the best homeowners insurance in Alabama.

Average home insurance cost in Alabama

The average cost of homeowners insurance in Alabama is $3,066 a year or $255 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 USAA and Allstate.

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 Alabama
Insurance company AM Best Average annual rate NAIC Complaint ratio Insurance.com score
Auto-OwnersA++$2,9100.193.98
USAAA++$2,7520.413.95
AllstateA+$1,3232.043.8
FarmersA$2,6420.333.76
Alfa CorporationA++$3,5250.013.71
State FarmA++$3,0861.073.42
Country FinancialA+$3,7090.143.38
NationwideA+$3,5450.753.16

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

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 $500,000 $600,000
Allstate$1,144$1,323$1,643$2,011$2,369
Famers$1,859$2,642$3,454$4,317$5,009
USAA$2,063$2,752$3,346$3,908$4,433
Auto-Owners$2,351$2,910$3,537$4,159$4,702
State Farm$2,433$3,086$3,699$4,338$5,000
Alfa Corporation$2,585$3,525$4,445$5,347$6,147
Nationwide$2,630$3,545$4,448$5,156$6,027
Country Financial$2,916$3,709$4,063$4,809$5,555

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 FLORIDA

$200,000
$1,000
$100,000
33315 - Fort Lauderdale
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,986

HIGHEST RATE: $5,304 LOWEST RATE: $491

Most & least expensive zip codes for homeowners insurance in Florida

Most Expensive

Zip CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least Expensive

Zip CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

The most expensive ZIP codes in Alabama for home insurance

Alabama homeowners insurance rates are the most expensive for ZIP code 36550, with an average annual cost of $3,583.

The most expensive ZIP codes in Alabama are:

ZIP codeAverage annual rates
36550$3,583
36511$3,538
36574$3,529
36559$3,493
36617$3,491
36568$3,490

The least expensive ZIP codes in Alabama for home insurance

The cheapest ZIP codes for home insurance in Alabama are:

ZIP codeAverage annual rates
36849$2,383
36832$2,389
36830$2,397
35114$2,406
36117$2,409
35043$2,412

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.

CityAnnual insurance premium
Auburn
$1,797
Birmingham
$2,184
Decatur
$2,187
Dothan
$1,920
Florence
$2,253
Hoover
$1,906
Huntsville
$2,156
Madison
$2,139
Mobile
$2,513
Montgomery
$1,846
Tuscaloosa
$2,018

Frequently asked questions about Alabama homeowners insurance

How much is home insurance in Alabama?

The average cost of Alabama home insurance is $3,909 per year for full coverage and $891 for minimum coverage. Compared to the national average cost of home insurance of $3,144 per year, Alabama homeowners pay over $765 more than the average U.S. homeowners insurance policy.

What company has the cheapest Alabama home insurance?

The cheapest home insurance in Alabama is from Allstate at an average cost of $1,323 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, USAA and Allstate.

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