Home Home insurance Renters insurance Renters insurance cost Best renters insurance in Alabama Best renters insurance in Alabama 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. | Updated on September 21, 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. As per Insure.com study, United Services Automobile Association (USAA) is the top-rated renters insurance company in Alabama, with a J.D. Power Score of 886 and an AM Best Rating of A++. (Note: USAA offers insurance only to members of the military, veterans and their immediate families.) CompanyJ.D. Power ScoreAM Best RatingsAverage rating USAA886A++5Nationwide859A+4State Farm836A++4Allstate837A+3.5Erie Insurance851A+3.5Farmers Insurance831A3.5Travelers801A++2.5 Nationwide Nationwide comes in second place, with a J.D. Power Score of 859 and an AM Best Ratings of A+. The company also maintains an average rating of 4. Pros: Offices across the country Offers a wide array of discounts High auto and home bundling discount of 22% Cons: Not available in every state State Farm Nationwide comes in third place, with a J.D. Power Score of 836 and an AM Best Ratings of A++. The company also maintains an average rating of 4. Pros: Large variety of policy offerings Big company with many available agents across the nation Cons: Limited discounts aside from home and auto bundle Could improve the digital experience for customers Rates aren’t the lowest How much is renters insurance in Alabama Renters insurance costs in Alabama varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Alabama is $343 per year or $29 per month for coverage limits of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ. Low cost renters insurance companies in Alabama USAA offers affordable renters insurance in Alabama at an average annual rate of $244 followed by Alfa Corporation and Nationwide, based on Insure.com’s analysis. But it’s smart to get multiple quotes for various renters insurance companies in Alabama because the prices vary a lot among carriers. Below we have compared the average annual and monthly renters insurance rates of insurance companies across Alabama. CompanyAverage annual rateAverage monthly rateUSAA$244$20Alfa Corporation$265$22Nationwide$308$26State Farm$311$26Auto-Owners$316$26Country Financial$344$29Allstate$402$33Farmers$618$51 Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Alabama by cityBeavertonGardendaleHuntsvilleMobileTuscaloosaAverage cost of renters insurance in Alabama by coverage level As we discussed above, in Alabama, the average cost of renters insurance is $343 per year, that’s $76 less than the national average. These rates are for the coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $250 per year for renters insurance in Alabama for $300,000 in liability protection and $1000 deductible. Find below the average cost of renters insurance in Alabama for personal property coverage of $20,000 and $40,000. Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate20000$250$2140000$343$2960000$439$37 Most affordable ZIP codes for renters insurance in Alabama How much Alabama renters pay for insurance majorly depends on the ZIP code they live in. 35043 is the most affordable ZIP for renters insurance in Alabama among all the ZIP codes analyzed, at about $290 a year on average. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Alabama. ZipcodeAverage annual rateAverage monthly rate35043$290$2435007$291$2435114$292$2435040$293$2435178$296$2535614$304$2535554$319$2736061$321$2735062$322$2735213$323$27 Least affordable ZIP codes for renters insurance in Alabama Your zip code, among other factors, affects how much you pay for renters insurance in Alabama. 36528 is the least affordable zip code for Alabama renters at an average cost of $666 a year or $55 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. ZipcodeAverage annual rateAverage monthly rate36528$666$5536561$665$5536542$665$5536509$663$5536523$662$5536532$659$5536582$658$5536580$658$5536555$654$5536602$653$54 Renters and auto bundle discounts in Alabama If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 16% per year in Alabama. Allstate offers the cheapest rate on renters and auto insurance bundle, you can save 17% a year on your premiums. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsAllstate$951$1,151$20017%State Farm$1,818$2,786$96835%Farmers$2,090$2,360$27011%USAA$2,478$2,749$27110%Alfa Corporation$2,493$3,037$54417%Auto-Owners$2,575$2,934$35912%Country Financial$2,806$3,764$95925%Nationwide$3,200$4,096$89622% Final thoughts: Average renters insurance in Alabama Renters insurance is a must-have for renters in Alabama. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters. To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. Consider factors like coverage options, deductibles, and customer reviews in addition to price. Methodology Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in Alabama. These rates include a coverage limit of $300,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none. Explore other insurance options in Alabama Cheapest homeowners insurance in Alabama Average car insurance cost in Alabama Non-owner auto insurance in Alabama How much is renters insurance in other statesAlaska$192/YearArkansas$255/YearArizona$177/YearCalifornia$224/YearColorado$143/YearConnecticut$200/YearDelaware$174/YearFlorida$245/YearGeorgia$234/YearHawaii$165/YearIowa$142/YearIdaho$142/YearIllinois$174/YearIndiana$187/YearKansas$176/YearKentucky$149/YearLouisiana$355/YearMassachusetts$168/YearMaryland$183/YearMaine$136/YearMichigan$253/YearMinnesota$161/YearMissouri$168/YearMississippi$288/YearMontana$192/YearNorth Carolina$183/YearNorth Dakota$126/YearNebraska$187/YearNew Hampshire$131/YearNew Jersey$148/YearNew Mexico$158/YearNevada$193/YearNew York$225/YearOhio$181/YearOklahoma$198/YearOregon$204/YearPennsylvania$186/YearRhode Island$389/YearSouth Carolina$220/YearSouth Dakota$141/YearTennessee$212/YearTexas$158/YearUtah$153/YearVirginia$177/YearVermont$142/YearWashington$182/YearWisconsin$119/YearWest Virginia$184/YearWyoming$111/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Guide to home renovation insurance By Shivani Gite How having a roommate impacts your homeowners insurance coverage By Shivani Gite What does condo insurance cover? By Shivani Gite Does home insurance cover accidental kitchen fires? By Shivani Gite How to switch home insurance By Shivani Gite Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page NationwideState FarmHow much is renters insurance in AlabamaLow cost renters insurance companies in AlabamaAverage cost of renters insurance in Alabama by coverage levelMost affordable ZIP codes for renters insurance in AlabamaLeast affordable ZIP codes for renters insurance in AlabamaRenters and auto bundle discounts in AlabamaFinal thoughts: Average renters insurance in AlabamaMethodology Get instant quotes now ! Please enter valid zip Get Quotes