Cheapest homeowners insurance in Alabama for 2022

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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.

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
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

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

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.