How much is renters insurance in Alabama?

The average cost of renters insurance in Alabama is $310 a year, and the average monthly cost is $26. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$310
Average monthly premium	$26

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Best renters insurance companies in Alabama

Auto-Owners, Country Financial and State Farm are our best renters insurance companies in Alabama.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Alabama, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

Among the carriers surveyed, Auto-Owners is the best renters insurance company in Alabama, with a top score and an average renters insurance rate of $304.

Below is our list of best renters insurance companies in Alabama based on that analysis, with our score out of five.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Auto-Owners	$304	A++	0.33	5
Country Financial	$399	A+	0.26	4.71
State Farm	$259	A++	0.95	3.99
Nationwide	$296	A+	0.87	3.92
Allstate	$391	A+	0.9	3.5
Farmers	$579	A	0.54	3.39

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Cheapest renters insurance in Alabama

Alfa Corporation is the cheapest renters insurance company in Alabama based on our rate analysis with an average annual premium of $231.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in Alabama and their average annual premiums.

Company name	Average annual premium
Alfa Corporation	$231
State Farm	$259
Nationwide	$296
Auto-Owners	$304
Allstate	$391
Country Financial	$399
Farmers	$579
USAA	$175

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Alabama renters insurance: The least and most expensive ZIP codes

Where you live in Alabama affects how much you pay for renters insurance. The most expensive ZIP code in Alabama for renters insurance is 36541, where the average annual rate is $450 which is $140 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 36830, with an average annual rate of $272.

The following table lists the least and most expensive ZIP codes in Alabama for renters insurance.

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Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
36541	$450
36523	$449
36528	$448
36511	$447
36615	$446
36582	$445
36544	$444
36512	$443
36532	$440
36612	$439

ZIP code	Average annual rate
36849	$272
36830	$272
36801	$273
36832	$274
36852	$275
35007	$276
35242	$277
36865	$278
35976	$279
35816	$280

Compare renters insurance rates by city in Alabama

Renters 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 renters insurance for your specific city in Alabama.

City	Annual insurance premium
Auburn	$278
Birmingham	$320
Decatur	$291
Dothan	$315
Hoover	$303
Huntsville	$286
Madison	$285
Mobile	$624
Montgomery	$314
Tuscaloosa	$285

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How to get cheap renters insurance in Alabama

There are a few things you can do to get cheaper renters insurance in Alabama:

Shop around. Not every Alabama renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

Alabama renters insurance: FAQ

Do I need renters insurance in Alabama?

Renters insurance isn’t required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Alabama?

You don’t need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.