Average renters insurance cost in Alabama

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.

In Alabama, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $390 annually or $33 monthly for a policy with $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 $390 per year or $33 per month.
Alfa Insurance provides the least expensive renters insurance in Alabama at an average rate of $231 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 month

The average cost of renters insurance in Alabama is $33 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$33	$9 more

Average renters insurance cost in Alabama by company

Alfa Insurance offers the most affordable renters insurance in Alabama at an average annual rate of $231, followed by State Farm and Nationwide, based on our data.

However, you should get multiple quotes from various renters insurance companies in Alabama because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Alabama.

Company	Average annual rate	Average monthly rate
Alfa Insurance	$231	$19
State Farm	$283	$24
Nationwide	$297	$25
Auto-Owners	$324	$27
Country Financial	$400	$33
Allstate	$440	$37
Farmers	$590	$49
Travelers	$1,065	$89
USAA*	$213	$18

*USAA is only available to military community members and their families.

Renters insurance calculator in Alabama

$369/year

Estimated renters insurance rates in Alabama

$31

Monthly renters insurance cost in Alabama

37%

Compared to national average

Average cost of renters insurance in Alabama by coverage level

The average annual cost of renters insurance in Alabama is $390, 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 $286 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 level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$294	$25
$20,000 with $500 Deductible and $300,000 Liability	$314	$26
$20,000 with $1,000 Deductible and $100,000 Liability	$266	$22
$20,000 with $1,000 Deductible and $300,000 Liability	$286	$24
$40,000 with $500 Deductible and $100,000 Liability	$411	$34
$40,000 with $500 Deductible and $300,000 Liability	$432	$36
$40,000 with $1,000 Deductible and $100,000 Liability	$369	$31
$40,000 with $1,000 Deductible and $300,000 Liability	$390	$33
$60,000 with $500 Deductible and $100,000 Liability	$527	$44
$60,000 with $500 Deductible and $300,000 Liability	$550	$46
$60,000 with $1,000 Deductible and $100,000 Liability	$475	$40
$60,000 with $1,000 Deductible and $300,000 Liability	$498	$41

Average cost of renters insurance in Alabama by city

Renters 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 city

See rates in your city

Average cost of renters insurance in Alabama by ZIP code

The cost of renters insurance in Alabama varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Alabama.

Most affordable ZIP codes for renters insurance in Alabama

How much Alabama renters pay for insurance depends on the ZIP code they live in. 35457 is the most affordable ZIP code for renters insurance in Alabama among all the ZIP codes analyzed, at $306 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Alabama.

ZIP code	City	Average annual rate	Average monthly rate
35457	Echola	$306	$25
36850	Camp Hill	$307	$26
35183	Weogufka	$310	$26
36858	Hatchechubbee	$311	$26
35464	Gainesville	$313	$26
36782	Sweet Water	$313	$26
36785	Tyler	$313	$26
36720	Alberta	$314	$26
36722	Arlington	$314	$26
36754	Magnolia	$314	$26

Least affordable ZIP codes for renters insurance in Alabama

36528 is the most expensive ZIP code for renters insurance in Alabama, at an average cost of $884 annually or $74 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Alabama. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
36528	Dauphin Island	$884	$74
36561	Orange Beach	$826	$69
36523	Coden	$805	$67
36542	Gulf Shores	$805	$67
36559	Montrose	$779	$65
36605	Mobile	$753	$63
36568	St. Elmo	$742	$62
36511	Bon Secour	$734	$61
36509	Bayou La Batre	$732	$61
36512	Bucks	$716	$60

Final thoughts: Average renters insurance in Alabama

Renters insurance is essential for residents of Alabama. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

Shivani Gite

Contributing 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.