Home Home insurance Average home insurance cost Cheapest homeowners insurance in Alabama Cheapest homeowners insurance in Alabama Written by: Les Masterson Les Masterson 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. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on August 17, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 TakeawaysIn 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 home 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 premiumUSAA$2,623$219Garrison$2,775$231Farmers$2,962$247Foremost$2,995$250Allstate$3,076$256Nationwide$3,340$278Safeco$3,390$283LM Insurance$4,838$403Alfa Mut Insurance$5,062$422State Farm$5,067$422Travelers$5,304$442Fire 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 ratingUSAA882A++State Farm835A++Allstate829A+Farmers813ANationwide812A+Safeco810ALiberty Mutual806ATravelers800A++ 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 home 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 premium35242$2,624$21935007$2,626$21935244$2,637$22035124$2,641$22035080$2,666$22235043$2,670$22235094$2,675$22335078$2,679$22335051$2,689$22436015$2,693$22436062$2,697$22535176$2,698$22536078$2,699$22535186$2,702$22535115$2,710$226 Explore other insurance options in Alabama Best renters insurance in Alabama Average car insurance cost in Alabama Non-owner auto insurance in Alabama 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.Home insurance rates in Alabama by cityBeavertonGardendaleHuntsvilleMobileTuscaloosaHow much is home insurance in other statesAlaska$1,799/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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