Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Alabama Average homeowners insurance cost in Alabama Homeowners insurance in Alabama costs $3,131 per year or $261 monthly, according to Insure.com’s data analysis. 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 a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 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. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Alabama is $3,131 a year. Continue reading to learn more about homeowners insurance rates in Alabama by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,131 a year, based on Insure.com analysis.Of all the ZIP codes in Alabama, 35124 has the most affordable home insurance rates at around $2,474 annually.In Alabama, Allstate provides the most affordable home insurance at an average annual premium of $2,103. Average home insurance cost in Alabama by coverage levelThe average cost of homeowners insurance in Alabama is $3,131 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,857 per year for homeowners insurance in Alabama for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Alabama for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,378$198200000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,391$199300000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,131$261300000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,147$262400000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,852$321400000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,872$323600000 with 1000 Deductible and 100000 Liability and 2% Deductible$5,470$456600000 with 1000 Deductible and 300000 Liability and 2% Deductible$5,499$4581000000 with 1000 Deductible and 100000 Liability and 2% Deductible$8,699$7251000000 with 1000 Deductible and 300000 Liability and 2% Deductible$8,742$729Homeowners insurance companies in Alabama decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in AlabamaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Alabama based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Auto-Owners received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAuto-Owners$2,857A++0.335Country Financial$3,567A+0.264.47Allstate$2,103A+0.94.4Farmers$3,214A0.544.1State Farm$3,107A++0.953.53Nationwide$3,418A+0.873.34Average homeowners insurance cost by company in AlabamaAllstate provides the most affordable homeowners insurance in Alabama, with an average annual premium of $2,103. Auto-Owners and State Farm also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Alabama with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$2,103$175Auto-Owners$2,857$238State Farm$3,107$259Farmers$3,319$277Nationwide$3,514$293Country Financial$3,567$297Alfa Insurance$3,793$316USAA$3,015$251Alabama homeowners insurance rates by ZIP codeIn Alabama, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Alabama. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in AlabamaNot every area in Alabama has the same home insurance cost. How much you pay for homeowners insurance in Alabama depends on many factors, including your ZIP code. Our data shows that 35124 ZIP has low-cost home insurance rates in Alabama, at about $2,474 a year or $206 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Alabama.ZIP codeAverage annual rateAverage monthly rate35124$2,474$20636832$2,475$20636849$2,478$20735043$2,480$20735080$2,486$20735114$2,489$20736830$2,491$20835007$2,495$20836801$2,502$20835242$2,508$209Most expensive ZIP codes for home insurance rates in AlabamaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Alabama, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.36528 has the most expensive homeowners insurance rates in Alabama at an average annual cost of $10,573.Below, we’ve highlighted some of the most expensive ZIP codes in Alabama for home insurance:ZIP codeAverage annual rateAverage monthly rate36528$10,573$88136561$8,914$74336542$8,585$71536523$7,970$66436509$7,069$58936532$6,477$54036511$6,430$53636605$6,367$53136615$6,336$52836582$6,309$526Home 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.Home insurance rates in Alabama by cityBeavertonGardendaleHuntsvilleMobileTuscaloosaHome insurance rate trend in AlabamaWe analyzed home insurance rate trends in Alabama and found that homeowners insurance rates experienced an overall increase of 3% or $80, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,960$3,051$3,131To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Alabama.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Alabama Best renters insurance in Alabama Average car insurance cost in Alabama Non-owner auto insurance in Alabama How much is home insurance in other statesAlaska$1,695/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/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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