Renters and home insurance rates in Alabama
The NAIC's published average premiums for Alabama by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $219
- average homeowners premium (HO-3), per year
- $1,748
- renter households
- 592,043
By county
By county
| Jefferson County | 97,568 | $1,132 | $224,900 |
|---|---|---|---|
| Mobile County | 56,379 | $1,021 | $176,600 |
| Madison County | 50,728 | $1,116 | $267,800 |
| Montgomery County | 38,398 | $1,061 | $160,100 |
| Tuscaloosa County | 33,032 | $997 | $233,700 |
| Lee County | 23,285 | $999 | $238,700 |
| Baldwin County | 21,261 | $1,211 | $287,000 |
| Shelby County | 16,007 | $1,348 | $298,700 |
| Houston County | 15,365 | $905 | $178,000 |
| Morgan County | 13,404 | $835 | $193,000 |
| Calhoun County | 13,363 | $804 | $149,500 |
| Lauderdale County | 12,473 | $799 | $185,800 |
| Etowah County | 10,279 | $807 | $160,600 |
| Russell County | 9,382 | $898 | $152,300 |
| Talladega County | 9,024 | $772 | $137,900 |
| Limestone County | 9,006 | $908 | $255,100 |
| Marshall County | 8,819 | $765 | $183,400 |
| Cullman County | 8,167 | $883 | $180,500 |
| Dale County | 7,642 | $863 | $129,100 |
| Elmore County | 7,526 | $1,014 | $213,600 |
| Colbert County | 7,071 | $838 | $161,600 |
| Coffee County | 6,418 | $970 | $180,300 |
| St. Clair County | 6,043 | $1,077 | $218,500 |
| DeKalb County | 6,030 | $683 | $135,500 |
| Dallas County | 6,010 | $749 | $97,400 |
| Autauga County | 5,651 | $1,200 | $197,900 |
| Walker County | 5,590 | $743 | $131,100 |
| Jackson County | 5,288 | $762 | $145,800 |
| Pike County | 4,680 | $855 | $149,000 |
| Blount County | 4,504 | $743 | $169,700 |
| Chilton County | 4,067 | $855 | $142,300 |
| Tallapoosa County | 4,037 | $734 | $144,800 |
| Escambia County | 4,002 | $709 | $122,700 |
| Chambers County | 3,893 | $850 | $129,700 |
| Covington County | 3,520 | $736 | $142,500 |
| Franklin County | 3,274 | $667 | $128,000 |
| Barbour County | 2,952 | $644 | $109,900 |
| Marion County | 2,694 | $583 | $104,300 |
| Macon County | 2,517 | $709 | $95,700 |
| Clarke County | 2,458 | $785 | $126,400 |
| Lawrence County | 2,443 | $708 | $150,700 |
| Marengo County | 2,357 | $722 | $103,400 |
| Butler County | 2,294 | $722 | $99,700 |
| Geneva County | 2,292 | $757 | $120,200 |
| Monroe County | 2,203 | $721 | $114,900 |
| Winston County | 2,180 | $744 | $110,500 |
| Cherokee County | 2,153 | $750 | $165,900 |
| Randolph County | 1,944 | $646 | $184,000 |
| Bibb County | 1,728 | $802 | $132,600 |
| Pickens County | 1,706 | $600 | $123,300 |
| Sumter County | 1,448 | $841 | $84,100 |
| Fayette County | 1,320 | $622 | $121,200 |
| Crenshaw County | 1,309 | $664 | $108,400 |
| Lamar County | 1,295 | $548 | $112,700 |
| Clay County | 1,286 | $624 | $144,700 |
| Henry County | 1,277 | $770 | $147,800 |
| Hale County | 1,274 | $723 | $126,300 |
| Bullock County | 1,260 | $635 | $79,400 |
| Cleburne County | 1,167 | $792 | $144,200 |
| Conecuh County | 1,135 | $781 | $101,300 |
| Perry County | 980 | $610 | $87,700 |
| Lowndes County | 944 | $663 | $80,600 |
| Choctaw County | 920 | $653 | $111,800 |
| Greene County | 919 | $429 | $86,400 |
| Wilcox County | 816 | $699 | $84,200 |
| Washington County | 801 | $628 | $152,800 |
| Coosa County | 785 | $682 | $111,800 |
Download the Alabama county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Alabama was $219 in 2022, across 592,043 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Alabama", updated 2026-08-17, https://homecoverhq.com/rates/alabama/.