Average home insurance cost in Alabama
The average cost of homeowners insurance in Alabama is $3,716 a year or $310 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 Country Financial, followed by Auto-Owners and Alfa Insurance.
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.
*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, State Farm has the most affordable rates in every category.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $2,453 | $3,099 | $3,678 | $4,732 | $6,364 |
| Farmers | $2,616 | $3,617 | $4,605 | $6,703 | $9,707 |
| Nationwide | $2,446 | $3,197 | $3,948 | $5,548 | $8,543 |
| Travelers | $4,311 | $5,271 | $6,038 | $8,123 | $12,193 |
| Auto-Owners | $2,429 | $3,168 | $3,916 | $5,494 | $8,577 |
| Alfa Insurance | $3,935 | $5,031 | $5,976 | $7,769 | $10,625 |
| Country Financial | $2,765 | $3,569 | $4,428 | $6,159 | $9,279 |
| USAA | $2,594 | $3,415 | $4,143 | $5,488 | $7,506 |
*USAA is only available to military members and their families
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 by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 InsuranceThe most expensive ZIP codes in Alabama for home insurance
Alabama homeowners insurance rates are the most expensive for ZIP code 36542, with an average annual cost of $10,003.
The most expensive ZIP codes in Alabama are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Gulf Shores | 36542 | $10,003 |
| Dauphin Island | 36528 | $9,922 |
| Orange Beach | 36561 | $9,206 |
| Coden | 36523 | $8,941 |
| Bayou La Batre | 36509 | $8,335 |
| Mobile | 36615 | $8,015 |
| Mobile | 36605 | $7,923 |
| Fairhope | 36532 | $7,383 |
| Grand Bay | 36582 | $7,300 |
| Bon Secour | 36511 | $7,236 |
Alabama homeowners insurance rates by county
Home insurance rates in Alabama vary by county. Take a look at the average rates by county in Alabama below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Autauga | $3,249 | $271 |
| Baldwin | $6,279 | $523 |
| Barbour | $3,421 | $285 |
| Bibb | $3,383 | $282 |
| Blount | $3,572 | $298 |
| Bullock | $3,452 | $288 |
| Butler | $3,521 | $293 |
| Calhoun | $3,468 | $289 |
| Chambers | $3,269 | $272 |
| Cherokee | $3,632 | $303 |
| Chilton | $3,315 | $276 |
| Choctaw | $3,740 | $312 |
| Clarke | $3,858 | $322 |
| Clay | $3,374 | $281 |
| Cleburne | $3,424 | $285 |
| Coffee | $3,567 | $297 |
| Colbert | $3,677 | $306 |
| Conecuh | $3,929 | $327 |
| Coosa | $3,327 | $277 |
| Covington | $3,715 | $310 |
| Crenshaw | $3,489 | $291 |
| Cullman | $3,599 | $300 |
| Dale | $3,537 | $295 |
| Dallas | $3,443 | $287 |
| DeKalb | $3,681 | $307 |
| Elmore | $3,131 | $261 |
| Escambia | $3,677 | $306 |
| Etowah | $3,569 | $297 |
| Fayette | $3,618 | $302 |
| Franklin | $3,726 | $310 |
| Geneva | $3,771 | $314 |
| Greene | $3,530 | $294 |
| Hale | $3,658 | $305 |
| Henry | $3,519 | $293 |
| Houston | $3,592 | $299 |
| Jackson | $3,692 | $308 |
| Jefferson | $3,313 | $276 |
| Lamar | $3,726 | $310 |
| Lauderdale | $3,688 | $307 |
| Lawrence | $3,849 | $321 |
| Lee | $3,032 | $253 |
| Limestone | $3,526 | $294 |
| Lowndes | $3,462 | $288 |
| Macon | $3,355 | $280 |
| Madison | $3,476 | $290 |
| Marengo | $3,564 | $297 |
| Marion | $3,808 | $317 |
| Marshall | $3,651 | $304 |
| Mobile | $5,947 | $496 |
| Monroe | $3,533 | $294 |
| Montgomery | $3,107 | $259 |
| Morgan | $3,605 | $300 |
| Perry | $3,670 | $306 |
| Pickens | $3,649 | $304 |
| Pike | $3,359 | $280 |
| Randolph | $3,467 | $289 |
| Russell | $3,290 | $274 |
| Shelby | $3,066 | $255 |
| St. Clair | $3,473 | $289 |
| Sumter | $3,621 | $302 |
| Talladega | $3,426 | $286 |
| Tallapoosa | $2,948 | $246 |
| Tuscaloosa | $3,345 | $279 |
| Walker | $3,816 | $318 |
| Washington | $3,954 | $329 |
| Wilcox | $3,650 | $304 |
| Winston | $3,813 | $318 |
The least expensive ZIP codes in Alabama for home insurance
The cheapest ZIP codes for home insurance in Alabama are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Alexander City | 35010 | $2,804 |
| Jacksons Gap | 36861 | $2,817 |
| Loachapoka | 36865 | $2,902 |
| Montgomery | 36106 | $2,926 |
| Auburn University | 36849 | $2,930 |
| Pelham | 35124 | $2,937 |
| Auburn | 36830 | $2,945 |
| Deatsville | 36022 | $2,948 |
| Alabaster | 35007 | $2,951 |
| Dadeville | 36853 | $2,952 |
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
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Alabama homeowners insurance
How much is home insurance in Alabama?
The average cost of Alabama home insurance is $3,716 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 Auto-Owners, at an average cost of $3,101 per year for $300,000 in dwelling coverage.
What are the best homeowners insurance companies in Alabama?
Based on our Insurance.com analysis, the best home insurance companies include Country Financial, Auto-Owners, Alfa Insurance, State Farm, 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.
Compare Alabama homeowners insurance rates with other states
