Home Renters insurance Renters insurance cost Best renters insurance in Alabama Best renters insurance in Alabama Discover the average cost of renters insurance in Alabama and how factors like location and coverage levels can impact your rate. 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 is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: January 16, 2025 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. Renters insurance costs in Alabama vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Alabama is $324 per year or $27 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Alabama is $324 per year or $27 per month.Alfa Corporation provides the least expensive renters insurance in Alabama at an average rate of $240 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 monthIn Alabama, the average cost of renters insurance is $27 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$27$5 moreAverage renters insurance cost in Alabama by companyAlfa Corporation offers the most affordable renters insurance in Alabama at an average annual rate of $240, 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.CompanyAverage annual rateAverage monthly rateAlfa Corporation$240$20State Farm$266$22Nationwide$298$25Auto-Owners$311$26Country Financial$399$33Allstate$422$35Farmers$593$49USAA$199$17 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. $300,000 $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 $310/year Estimated renters insurance rates in Alabama $26 Monthly renters insurance cost in Alabama 26% Compared to national average Get quotes Average cost of renters insurance in Alabama by coverage levelOn average, Alabama renters pay $324 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Alabama to $239 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Alabama for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$250$21$20,000 with $500 Deductible and $300,000 Liability$264$22$20,000 with $1,000 Deductible and $100,000 Liability$225$19$20,000 with $1,000 Deductible and $300,000 Liability$239$20$40,000 with $500 Deductible and $100,000 Liability$344$29$40,000 with $500 Deductible and $300,000 Liability$358$30$40,000 with $1,000 Deductible and $100,000 Liability$310$26$40,000 with $1,000 Deductible and $300,000 Liability$324$27$60,000 with $500 Deductible and $100,000 Liability$437$36$60,000 with $500 Deductible and $300,000 Liability$451$38$60,000 with $1,000 Deductible and $100,000 Liability$396$33$60,000 with $1,000 Deductible and $300,000 Liability$411$34Average cost of renters insurance in Alabama by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Alabama.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 ZIP codeIn Alabama, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in AlabamaThe amount Alabama renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 36849 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $286.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Alabama.ZIP codeCityAverage annual rateAverage monthly rate36849Auburn University$286$2436830Auburn$286$2436801Opelika$288$2436832Auburn$288$2436877Phenix City$288$2436804Opelika$288$2436852Cusseta$290$2435007Alabaster$290$2435080Helena$290$2435242Birmingham$291$24Least affordable ZIP codes for renters insurance in AlabamaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Alabama is 36541, with an average cost of $464 a year or $39 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Alabama. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate36541Grand Bay$464$3936523Coden$464$3936509Bayou La Batre$464$3936528Dauphin Island$463$3936511Bon Secour$462$3936615Mobile$461$3836582Belle Fontaine$461$3836549Lillian$460$38Final thoughts: Average renters insurance in AlabamaRenters insurance is a must for Alabama renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.How much is renters insurance in other statesAlaska$257/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Alabama Average homeowners insurance cost in Alabama Average car insurance cost in Alabama Non-owner auto insurance in Alabama Shivani 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 Home insurance claims: How to file and what you should know By Chris Kissell How to calculate your home’s replacement cost By Nupur Gambhir Homeowners insurance basics By Shivani Gite How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin On this page Average renters insurance cost in Alabama per monthAverage renters insurance cost in Alabama by companyAverage cost of renters insurance in Alabama by coverage levelAverage cost of renters insurance in Alabama by cityAverage cost of renters insurance in Alabama by ZIP codeFinal thoughts: Average renters insurance in Alabama ZIP Code Please enter valid ZIP See rates