Average renters insurance cost in Alabama

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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 $390 per year or $33 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 $390 per year or $33 per month.
Alfa Insurance provides the least expensive renters insurance in Alabama at an average rate of $231 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 month

The average cost of renters insurance in Alabama is $33 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$33	$9 more

Average renters insurance cost in Alabama by company

Renters in Alabama can find the most budget-friendly insurance with Alfa Insurance, which has an average annual cost of $231, according to our data. Other affordable options include State Farm and Nationwide.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in Alabama.

Company	Average annual rate	Average monthly rate
Alfa Insurance	$231	$19
State Farm	$283	$24
Nationwide	$297	$25
Auto-Owners	$324	$27
Country Financial	$400	$33
Allstate	$440	$37
Farmers	$590	$49
Travelers	$1,065	$89
USAA*	$213	$18

*USAA is only available to military community members and their families.

Renters insurance calculator in Alabama

$369/year

Estimated renters insurance rates in Alabama

$31

Monthly renters insurance cost in Alabama

37%

Compared to national average

Average cost of renters insurance in Alabama by coverage level

As we discussed above, the average cost of renters insurance in Alabama is $390 per year. These rates are for a 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 $286 per year for renters insurance in Alabama, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Alabama for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$294	$25
$20,000 with $500 Deductible and $300,000 Liability	$314	$26
$20,000 with $1,000 Deductible and $100,000 Liability	$266	$22
$20,000 with $1,000 Deductible and $300,000 Liability	$286	$24
$40,000 with $500 Deductible and $100,000 Liability	$411	$34
$40,000 with $500 Deductible and $300,000 Liability	$432	$36
$40,000 with $1,000 Deductible and $100,000 Liability	$369	$31
$40,000 with $1,000 Deductible and $300,000 Liability	$390	$33
$60,000 with $500 Deductible and $100,000 Liability	$527	$44
$60,000 with $500 Deductible and $300,000 Liability	$550	$46
$60,000 with $1,000 Deductible and $100,000 Liability	$475	$40
$60,000 with $1,000 Deductible and $300,000 Liability	$498	$41

Average cost of renters insurance in Alabama by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Alabama.

Renters insurance rates in Alabama by city

See rates in your city

Average cost of renters insurance in Alabama by ZIP code

The cost of renters insurance in Alabama varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Alabama.

Most affordable ZIP codes for renters insurance in Alabama

In Alabama, your ZIP code plays a major role in determining your premiums. Based on our data, 35457 is the most affordable ZIP code for renters insurance, with an average annual cost of $306.

Comparing quotes from multiple insurers in Alabama is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
35457	Echola	$306	$25
36850	Camp Hill	$307	$26
35183	Weogufka	$310	$26
36858	Hatchechubbee	$311	$26
35464	Gainesville	$313	$26
36782	Sweet Water	$313	$26
36785	Tyler	$313	$26
36720	Alberta	$314	$26
36722	Arlington	$314	$26
36754	Magnolia	$314	$26

Least affordable ZIP codes for renters insurance in Alabama

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Alabama is 36528, with an average cost of $884 a year or $74 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 code	City	Average annual rate	Average monthly rate
36528	Dauphin Island	$884	$74
36561	Orange Beach	$826	$69
36523	Coden	$805	$67
36542	Gulf Shores	$805	$67
36559	Montrose	$779	$65
36605	Mobile	$753	$63
36568	St. Elmo	$742	$62
36511	Bon Secour	$734	$61
36509	Bayou La Batre	$732	$61
36512	Bucks	$716	$60

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. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

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.