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Finding the cheapest home insurance in Alabama requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that USAA has the cheapest homeowners insurance rates in Alabama with an average annual premium of $2,623 or $219 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Alabama and how to find the best home insurance rates.

Key Takeaways

  • In Alabama, the cheapest homeowners insurance is offered by USAA at $2,623 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • The zipcode 35242 in Alabama offers the homeowners insurance at the cheapest rate of $2,624 per year.

Cheap homeowners insurance companies in Alabama

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Alabama?

USAA, Garrison and Farmers are the cheapest homeowners insurance companies in Alabama, on average.

Here are average Alabama homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
USAA$2,623$219
Garrison$2,775$231
Farmers$2,962$247
Foremost$2,995$250
Allstate$3,076$256
Nationwide$3,340$278
Safeco$3,390$283
LM Insurance$4,838$403
Alfa Mut Insurance$5,062$422
State Farm$5,067$422
Travelers$5,304$442
Fire Insurance$5,525$460

Compare cheap homeowners insurance in Alabama by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Alabama based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Alabama

The average cost of homeowners insurance in Alabama is $2,981 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Alabama home insurance costs are $676 more than the national average.

Average annual premiumAverage monthly premium
$2,981$248

Multiple factors play a role in homeowners insurance cost, including:

  • Location, including ZIP code
  • Level of coverage
  • Home construction and age
  • Your claims history 
  • Your home’s claims history
  • The area’s claims history
  • Deductible
  • Credit history

Cheapest homeowners insurance in Alabama by ZIP code

35242 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $2,624 per year, which is $219 per month. Here are how Alabama cities rank for average home insurance rates:

ZIP codeAverage annual premiumAverage monthly premium
35242$2,624$219
35007$2,626$219
35244$2,637$220
35124$2,641$220
35080$2,666$222
35043$2,670$222
35094$2,675$223
35078$2,679$223
35051$2,689$224
36015$2,693$224
36062$2,697$225
35176$2,698$225
36078$2,699$225
35186$2,702$225
35115$2,710$226

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Know home insurance rates in Alabama by city

Know how much is home insurance in other states

Alaska$1,799/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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