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Alabama Homeowners Insurance Quotes

Alabama, “Heart of Dixie” is located in the Southeastern region of the United States. It is the 24th most populous state in the US. Alabama provides 53 miles of coastline. Because of this, it claims the 6th highest homeowners insurance rates. In the past, Alabama’s coastline has been hit by large category 3 hurricanes. Due to the past occurrences of natural disasters, the average homeowners rate in this state is $2,320. The rates ranged between $1,687 and $4,127.

 

A study was completed to help determine the cheapest home insurance rates in Alabama. Quotes were gathered from major insurance companies for a 2,000 square-foot home. These companies include, Farmers, Liberty Mutual, Progressive, State Farm, and Nationwide. The data found that Progressive offered the cheapest homeowners insurance. Progressive provided an average annual rate of 1687 for the above sample. Please take note this price was for the sample. If you are looking for an Alabama homeowners insurance quote, compare quotes from multiple companies.

 

The four most expensive cities for Alabama homeowners insurance quotes are located in the southern part of the state. Two of these cities are located on the water, which is a risk insurance wise. However the fifth most expensive city, Opelika is located in east-central Alabama. Luckily, it is not located on the water but has high property crime rates.

 

In order to find cheaper Alabama homeowners insurance quotes, you must know which cities are the cheapest. When it comes to cheaper homeowners rates in Alabama, it’s all about the location. The cheapest cities in Alabama are all located inland and as far away from the Gulf of Mexico as possible. The Gulf of Mexico provides a greater risk of storm damage.

 

Top Ten Most Populated Cities in Alabama

 

Birmingham

Birmingham is the most populated city in Alabama. Birmingham was named for Birmingham, England, UK’s major industrial city. It is the only city in the world where the three raw ingredients for steel occur naturally. The ingredients all occur within a ten mile radius. Homeowners rates here are an average of $2,280.

 

Montgomery

Montgomery is the capital of Alabama. The population of this city is 201,332. The first open heart surgery was performed here in 1902 by a city native, Luther Hill. Hill had never operated on a living heart before the surgery. The patient survived a stab wound and the surgery. If you are considering moving to the capital, the average rate of insurance for your home will be $2,053.

 

Mobile

Mobile is third largest metropolitan area in the entire state. Mobile also began as the first capital of colonial French Louisiana. It was the first home of the Mardi Gras celebrations in the early 1700s, before New Orleans. With a higher annual insurance rate than previously listed cities, insurance here will cost you approximately $4,127.

 

Huntsville

Huntsville is the county seat of Madison County. It is also the fourth largest city in Alabama. Huntsville is home to the state’s oldest hardware store. The store, Harrison Brothers Hardware, opened in 1879 originally as a tobacco shop. Homeowners rates here are significantly cheaper than Mobile, with an average of $2,001.

 

Tuscaloosa

Tuscaloosa was named after Tuskaloosa, the chieftain of people who battled and was defeated by Hernando de Soto in the battle of Mabila. This city also served as Alabama’s capital city from 1826 to 1846. If you are looking to insure your home here, the annual price is $2,420.

 

Dothan

Dothan, Alabama is the Peanut Capital of the world. Half of the peanuts grown in the United States come from the region. The city also hosts a peanut festival every year to celebrate. Dothan has a population of  68,001 people. Curious to know the annual homeowners rate here? Dothan homeowners rates are $2,181.

 

Auburn

Auburn is the home of Auburn University. Auburn University was first established in 1856, and was formally known as the East Alabama Male College. The school went through many names throughout the years. In 1960, the name was permanently changed to Auburn University. Home insurance here will cost you $1,980.

 

Phenix City

Before Phenix City, this town was split into separate towns. The south side of the town was known as Girard. The north side was known as Brownville. Some claim that the last battle of the Civil War took place in Phenix city, known then as Girard.  The average home insurance price here is approximately $1,330.

 

Gadsden

Gadsden was settled by John Riley in 1825. On July 4, 1845, the first steamboat piloted by Captain James Lafferty, came to the area. The city originally proposed the city name to be changed to Lafferty’s Landing. However, Lafferty declined. If you are looking at this area of Alabama, the average homeowner’s price is $2,310.

 

Prattville

Prattville is known for its signature hill, located on present-day 6th street. The hill, Happy Hollow, turns into a steep curve. Happy Hollow was the center of African American life in this town in the 1950s. Home coverage rates in this town will run approximately $2,000.

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