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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Best home insurance companies in Alabama
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.374.55$2,868
State FarmA++0.833.98$3,137
Country FinancialA+0.263.65$3,567
AllstateA+1.463.4$2,134
NationwideA+1.053.02$3,465
FarmersA0.672.87$3,231
Data updated in 2024

*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$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
Data updated in 2024

*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

Average home insurance rates in Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$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
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024
Read our methodology

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 codeAverage Annual Premium
35587$3,509
35549$3,500
35554$3,487
35575$3,475
35578$3,445
35548$3,437
Data updated in 2024

Alabama homeowners insurance rates by county

County Average annual premium Average monthly premium
Autauga$2,776$231
Baldwin$5,033$419
Barbour$2,887$241
Bibb$2,845$237
Blount$3,076$256
Bullock$3,000$250
Butler$2,926$244
Calhoun$2,986$249
Chambers$2,870$239
Cherokee$3,110$259
Chilton$2,810$234
Choctaw$3,138$261
Clarke$3,244$270
Clay$2,854$238
Cleburne$2,883$240
Coffee$3,027$252
Colbert$3,106$259
Conecuh$3,244$270
Coosa$2,869$239
Covington$3,086$257
Crenshaw$2,923$244
Cullman$3,055$255
Dale$3,031$253
Dallas$2,924$244
DeKalb$3,150$263
Elmore$2,660$222
Escambia$3,315$276
Etowah$3,057$255
Fayette$3,030$253
Franklin$3,182$265
Geneva$3,158$263
Greene$2,937$245
Hale$3,035$253
Henry$2,965$247
Houston$3,014$251
Jackson$3,173$264
Jefferson$2,936$245
Lamar$3,094$258
Lauderdale$3,101$258
Lawrence$3,191$266
Lee$2,573$214
Limestone$3,000$250
Lowndes$3,091$258
Macon$2,918$243
Madison$2,983$249
Marengo$3,005$250
Marion$3,241$270
Marshall$3,152$263
Mobile$4,935$411
Monroe$3,114$260
Montgomery$2,662$222
Morgan$3,015$251
Perry$3,049$254
Pickens$3,047$254
Pike$2,842$237
Randolph$2,961$247
Russell$2,780$232
Shelby$2,585$215
St. Clair$2,951$246
Sumter$2,987$249
Talladega$2,925$244
Tallapoosa$2,654$221
Tuscaloosa$2,803$234
Walker$3,258$272
Washington$3,683$307
Wilcox$3,077$256
Winston$3,237$270
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 codeAverage 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.

CityAnnual 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.

Compare Alabama homeowners insurance rates with other states

Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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