There’s a lot to take into account when shopping for renters insurance, but we’ve compiled a list of the top providers in Alabama. Our insurance experts have analyzed price quotes from Alabama’s largest renters insurance companies to help make your decision easier. Below is the list of cheapest renters insurance companies in Alabama:

  • Nationwide
  • USAA
  • Alfa Mutual
  • Garrison
  • Travelers

Cheapest renters insurance companies in Alabama

Nationwide offers the cheapest renters insurance in Alabama at an average annual rate of $261 or $22 per month. Based on Insure.com’s rate analysis, we have mentioned cheap renters insurance companies in Alabama along with their average annual rates.

CompanyAverage annual rateAverage monthly rate
Nationwide$261$22
USAA$280$23
Alfa Mutual$291$24
Garrison$309$26
Travelers$341$28
Safeco$398$33
State Farm$409$34
Allstate$487$41
Fire Ins Exch$730$61
Foremost$869$72
Liberty$964$80
LM Insurance$1,021$85

Average cost of renters insurance in Alabama by coverage level

In Alabama, the average cost of renters insurance is $377 per year or $31 per month, that’s $51 more than the national average of $326. These rates are for the coverage level of $20,000 for personal property, $1000 as deductible and $300,000 as liability protection.

Find below average cost of renters insurance in Alabama for coverage levels of- $40,000 and $60,000 with liability protection of $300,000 and $1000 as deductible.

Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate
$20,000$377$31
$40,000$542$45
$60,000$693$58

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. Based on our findings, the most affordable zip code for renters insurance in Alabama is 35967. Its average annual rate $453 or $38 per month.

The above mentioned rates are for the coverage limits of $40,000 for personal property, $1000 as deductible, and 100,000 in liability protection. 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.

ZIP codeAverage annual rateAverage monthly rate
35967$453$38
35961$456$38
35971$457$38
35963$458$38
35974$459$38
35055$460$38
36830$461$38
35019$463$39
35966$464$39
35010$465$39

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 $973 a year or $81 monthly.

We have analyzed quotes from the major insurance carriers across all the zip codes in Alabama. Below we’ll provide the average annual renters insurance costs by ZIP code, also find out how much renters insurance costs per month.

ZIP codeAverage annual rateAverage monthly rate
36528$973$81
36509$928$77
36523$926$77
36582$923$77
36541$911$76
36532$909$76
36530$903$75
36526$894$74
36544$893$74
36511$889$74

Renters and auto bundle discounts in Alabama

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing both renters and auto policies from the same company. Bundling policies can help you save an average of $95 per year in Alabama. State Farm offers the cheapest rate on renters and auto insurance bundle, you can save an average of $59 annually or 5%.

CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savings
State Farm$1,184$1,243$595%
Nationwide$1,286$1,335$494%
Progressive$1,319$1,387$685%
Standard Fire $1,325$1,342$181%
Geico$1,350$1,389$393%
Allstate$1,808$1,877$694%
Auto Owners $1,924$2,025$1015%
Mid Century $2,151$2,312$1617%
Alfa Mutual$2,281$2,571$29011%

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