Renters Insurance

The Best Cheap Renters Insurance in Alabama

The Best Cheap Renters Insurance in Alabama

State Farm has the cheapest renters insurance in Alabama, with an average price of just $18 per month, or $212 per year.

The average renters insurance rate in Alabama is $29 per month, which means State Farm allows renters to save 38%, on average.

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To help you pick the best renters insurance coverage, ValuePenguin gathered 140 quotes from the 25 largest cities and towns in Alabama. Choosing the best renters insurance involves settling on a provider that balances affordable rates with protective coverage and consistent customer service.

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Cheapest renters insurance companies in Alabama

The cheapest renters insurance in Alabama comes from State Farm, which offers policies for about $18 per month.

State Farm is $52 per year cheaper than any other company we analyzed. Amica, Travelers and Nationwide also offer below-average rates. Alabama overall has higher rates than the national average cost of renters insurance, which is $212 per year.

A bar graph showing the average costs of renters insurance in Alabama

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Farmers has the state's most expensive renters coverage, at $567 per year on average.

Monthly rate
State Farm logo
State Farm$18
Amica logo
Travelers logo
Nationwide logo
Allstate logo
Farmers logo

Your rates probably won't be identical to what a neighbor pays, even if they live near you. This is because the price of your coverage depends on factors that are specific to you, such as the amount of property you're insuring, any upgrades you purchase and your deductible.

Best renters insurance for most people: State Farm

As the cheapest renters insurance company in Alabama, State Farm also has great customer service.
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The best renters insurance in Alabama is State Farm. It is the cheapest insurer, at $18 per month, or $212 per year. State Farm is 38% cheaper than the average cost of renters insurance in Alabama — where prices can be among the most expensive in the country.

State Farm also has consistently good customer service, with a low rate of complaints, according to the National Association of Insurance Commissioners, or NAIC, and the second-best rating in the country from J.D. Power. While State Farm combines great prices and service, one drawback is that it lacks ways to improve its basic policy, beyond covering certain extra valuables.

Best for military families: USAA

USAA offers robust coverage and policy flexibility for those in the military.
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USAA is a top option for members of the military and their families in Alabama. The company's basic policies include flood coverage and can include earthquake coverage at no extra cost. You can also expand your coverage in a few different ways.

  • Replacement cost coverage: pays to replace lost property with a new version of the item
  • Overseas insurance: covers your belongings if you're deployed or move overseas
  • Military renters coverage: reduces rates up to 28% if you live on a base or barracks

To get a quote, you need to be a member of the military or have certain relationships to a service member. USAA usually has below-average rates across most kinds of insurance, and allows you to bundle policies.

Best for customer service: Amica

Amica has strong customer service, in addition to some of the lowest rates in the state.
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The best-rated customer service we found in Alabama is offered by Amica. Customers file complaints with the company less than half as often as the average insurer, and the company has a strong rating from ValuePenguin's own editors.

Amica also has low rates, $22 per month. Those savings add up to $87 per year, compared to the state average. Amica offers several ways to expand your coverage, including protection for high-value items, full repair or replacement coverage and identity fraud protection.

Alabama renters insurance: City-by-city

The cheapest city for renters insurance in Alabama is Tuscaloosa, at a rate of $298 per year.

Fairhope has the state's most expensive rate, at $695 per year. The city sits on the edge of Mobile Bay, meaning homes there are at high risk of flooding and hurricanes.

Average annual rate
Difference from state average (%)
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Top-rated renters insurance companies in Alabama

USAA and Amica offer the top customer service we found in Alabama.

Both Amica and USAA receive few complaints from customers, according to the NAIC. Each has strong ratings from the ValuePenguin editorial team, and USAA is the top pick for customer satisfaction from J.D. Power.

Customer service is a crucial part of your renters insurance experience and should be weighed when picking the best renters insurance company for you.

State Farm


ValuePenguin collected more than 130 renters insurance quotes from six of the largest insurers for addresses in Alabama's biggest 25 cities and census designated areas. We collected sample rates for a 25-year-old, unmarried renter who lives alone and has no prior claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are selected by our experts analyzing rates, customer service and coverage options.

Renters insurance star ratings are based on a combination of the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer service satisfaction index and ValuePenguin's own editors' rankings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.