Home Home insurance Renters insurance Renters insurance cost Best renters insurance in Alabama Best renters insurance in Alabama 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. Updated on: January 18, 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. 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 vary depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Alabama is $329 per year or $27 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 the actual premium costs may differ. 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. $100,000 $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 $329/year Estimated renters insurance rates in Alabama $27 Monthly renters insurance cost in Alabama 32% Compared to national average Get quotes Low cost renters insurance companies in Alabama USAA offers affordable renters insurance in Alabama at an average annual rate of $219 followed by Alfa Corporation and State Farm, 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$219$18Alfa Corporation$256$21State Farm$304$25Nationwide$305$25Auto-Owners$311$26Country Financial$334$28Allstate$371$31Farmers$604$50 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 $329 per year. 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 $235 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 rate$20,000$235$20$40,000$329$27$60,000$424$35 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 $275 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. ZIP codeAverage annual rateAverage monthly rate35043$275$2335007$276$2335114$277$2335040$278$2335178$281$23 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 $650 a year or $54 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 codeAverage annual rateAverage monthly rate36528$650$5436561$649$5436542$649$5436509$648$5436523$646$54 Renters and auto bundle discounts in Alabama If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 16% per year in Alabama. Allstate offers the cheapest rate on renters and auto insurance bundles. You can save 17% a year on your premiums. CompanyAverage annual rate$ bundle average savings% bundle average savingsAllstate$951$20017%State Farm$1,818$96835%Farmers$2,090$27011%USAA$2,478$27110%Alfa Corporation$2,493$54417%Auto-Owners$2,575$35912%Country Financial$2,806$95925%Nationwide$3,200$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 Average homeowners insurance cost in Alabama Average car insurance cost in Alabama Non-owner auto insurance in Alabama How much is renters insurance in other statesAlaska$223/YearArkansas$337/YearArizona$218/YearCalifornia$257/YearColorado$173/YearConnecticut$250/YearWashington D.C.$236/YearDelaware$230/YearFlorida$359/YearGeorgia$330/YearHawaii$231/YearIowa$181/YearIdaho$174/YearIllinois$211/YearIndiana$240/YearKansas$236/YearKentucky$193/YearLouisiana$495/YearMassachusetts$234/YearMaryland$243/YearMaine$172/YearMichigan$337/YearMinnesota$200/YearMissouri$206/YearMississippi$394/YearMontana$246/YearNorth Carolina$324/YearNorth Dakota$153/YearNebraska$242/YearNew Hampshire$155/YearNew Jersey$181/YearNew Mexico$194/YearNevada$235/YearNew York$272/YearOhio$226/YearOklahoma$262/YearOregon$254/YearPennsylvania$241/YearRhode Island$436/YearSouth Carolina$290/YearSouth Dakota$184/YearTennessee$272/YearTexas$225/YearUtah$181/YearVirginia$219/YearVermont$166/YearWashington$224/YearWisconsin$148/YearWest Virginia$236/YearWyoming$126/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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Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson What is dwelling coverage and how much do you need? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite On this page NationwideState FarmHow much is renters insurance in Alabama?Low 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 ZIP Code Please enter valid ZIP See rates