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.
| Company | Average annual premium | Average 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 |
| Liberty Mutual | $4,838 | $403 |
| 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.
| Company | J.D. Power score | AM Best rating |
|---|---|---|
| USAA | 882 | A++ |
| State Farm | 835 | A++ |
| Allstate | 829 | A+ |
| Farmers | 813 | A |
| Nationwide | 812 | A+ |
| Safeco | 810 | A |
| Liberty Mutual | 806 | A |
| Travelers | 800 | A++ |
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 premium | Average 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 code | Average annual premium | Average 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 |
