Home Renters insurance Renters insurance cost Average renters insurance cost in Alabama Average renters insurance cost in Alabama Discover the average cost of renters insurance in Alabama and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Alabama vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Alabama pay $324 per year or $27 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Alabama is $324 per year or $27 per month.Alfa Corporation provides the least expensive renters insurance in Alabama at an average rate of $240 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Alabama. Average renters insurance cost in Alabama per monthIn Alabama, the average monthly cost of renters insurance is $27. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$27$5 morePowered by:Average renters insurance cost in Alabama by companyAccording to our data, Alfa Corporation provides the most affordable renters insurance in Alabama, with an average annual rate of $240, followed by State Farm and Nationwide.Getting quotes from multiple renters insurance companies in Alabama is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Alabama.CompanyAverage annual rateAverage monthly rateAlfa Corporation$240$20State Farm$266$22Nationwide$298$25Auto-Owners$311$26Country Financial$399$33Allstate$422$35Farmers$593$49USAA*$199$17*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Alabama Select your state Alabama Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $310/year Estimated renters insurance rates in Alabama $26 Monthly renters insurance cost in Alabama 26% Compared to national average Get quotes Average cost of renters insurance in Alabama by coverage levelThe average annual cost of renters insurance in Alabama is $324, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $239 a year for renters insurance in Alabama. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Alabama for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$250$21$20,000 with $500 Deductible and $300,000 Liability$264$22$20,000 with $1,000 Deductible and $100,000 Liability$225$19$20,000 with $1,000 Deductible and $300,000 Liability$239$20$40,000 with $500 Deductible and $100,000 Liability$344$29$40,000 with $500 Deductible and $300,000 Liability$358$30$40,000 with $1,000 Deductible and $100,000 Liability$310$26$40,000 with $1,000 Deductible and $300,000 Liability$324$27$60,000 with $500 Deductible and $100,000 Liability$437$36$60,000 with $500 Deductible and $300,000 Liability$451$38$60,000 with $1,000 Deductible and $100,000 Liability$396$33$60,000 with $1,000 Deductible and $300,000 Liability$411$34Powered by:Average cost of renters insurance in Alabama by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Alabama.Renters insurance rates in Alabama by citySee rates in your cityBeavertonHuntsvilleMobileTuscaloosaAverage cost of renters insurance in Alabama by ZIP codeRenters insurance costs in Alabama vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in AlabamaIn Alabama, your ZIP code plays a major role in determining your premiums. Based on our data, 36849 is the most affordable ZIP code for renters insurance, with an average annual cost of $286.Comparing quotes from multiple insurers in Alabama is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate36849Auburn University$286$2436830Auburn$286$2436801Opelika$288$2436832Auburn$288$2436877Phenix City$288$2436804Opelika$288$2436852Cusseta$290$2435007Alabaster$290$2435080Helena$290$2435242Birmingham$291$24Powered by:Least affordable ZIP codes for renters insurance in AlabamaYour ZIP code, among other factors, affects how much you pay for renters insurance in Alabama. 36541 is the least affordable ZIP code for Alabama renters at an average cost of $464 a year or $39 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Alabama. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate36541Grand Bay$464$3936523Coden$464$3936509Bayou La Batre$464$3936528Dauphin Island$463$3936511Bon Secour$462$3936615Mobile$461$3836582Belle Fontaine$461$3836549Lillian$460$38Powered by: Final thoughts: Average renters insurance in AlabamaRenters insurance is a must for Alabama renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$257/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in AlabamaBest and cheapest homeowners insurance companies in AlabamaCost of Living in Alabama in 2025How much does condo insurance cost in Alabama in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in Alabama per monthAverage renters insurance cost in Alabama by companyAverage cost of renters insurance in Alabama by coverage levelAverage cost of renters insurance in Alabama by cityAverage cost of renters insurance in Alabama by ZIP codeFinal thoughts: Average renters insurance in Alabama ZIP Code Please enter valid ZIP See rates (844) 761-9316