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 Alabama
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.833.98$3,137
Country FinancialA+0.263.65$3,567

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

Data refreshed as of May 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
State Farm$2,469$3,137$3,739$4,828$6,669
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 refreshed as of May 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
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77586El Lago$9,906

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of May 2024

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 codeAverage Annual Premium
Data refreshed as of May 2024

The least expensive ZIP codes in Alabama for home insurance

The cheapest ZIP codes for home insurance in Alabama are:

ZIP codeAverage annual rate
Data refreshed as of May 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.

CityAnnual insurance premium
Data refreshed as of May 2024

Home insurance FAQs

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.

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