The best home insurance companies in Alabama are Nationwide, State Farm, Chubb, Amica and Farmers. Nationwide ranks first for coverage options, State Farm leads in affordability and Amica stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Alabama
Updated: June 21, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Alabama are State Farm, COUNTRY Financial and Nationwide.
State Farm offers the best overall home insurance for most Alabama homeowners, including those with bad credit.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are the Best Home Insurance Companies in Alabama?
| State Farm | 93 | 1 | 1 | 2 |
| COUNTRY Financial | 78 | 2 | 3 | 2 |
| Nationwide | 78 | 4 | 4 | 1 |
| Farmers | 77 | 3 | 2 | 5 |
| Allstate | 67 | 5 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories:
| State Farm | 93 | Overall |
| State Farm | 93 | Older Homes |
| State Farm | 93 | Newer Homes |
| State Farm | 93 | High-Fire-Risk Areas |
| State Farm | 93 | Bad Credit |
| State Farm | 93 | With Claims History |
Best Alabama Home Insurance Reviews
Here's a closer look at our top picks for home insurance in Alabama, highlighting the winners in affordability, customer service and coverage options.
State Farm: Best for Affordability
State Farm offers affordable home insurance for many homeowners in Alabama. It scores well in customer service, ranking seventh for satisfaction and eighth in claims, according to J.D. Power. Unique add-ons like underground utility coverage and extended replacement cost reimbursement also help it stand out from the competition.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $159 | $1,907 |
| Newer Homes | $159 | $1,907 |
| Older Homes in High-Fire-Risk Areas | $268 | $3,220 |
| Older Homes | $268 | $3,220 |
Farmers: Best for Customer Service
Farmers may not be the most affordable provider on our list, but it scores as a top provider for customer service among Alabama home insurance companies. Farmers is among the top companies for homeowners insurance customer satisfaction and claims satisfaction. It also offers a unique eco-rebuild coverage to help homeowners rebuild with green materials after a covered loss.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $213 | $2,551 |
| Newer Homes in High-Fire-Risk Areas | $271 | $3,253 |
| Older Homes | $311 | $3,733 |
| Older Homes in High-Fire-Risk Areas | $397 | $4,759 |
Nationwide: Best for Coverage
Although it is an expensive option in Alabama, it is also the top-rated coverage option in the state. Its extensive coverage selections include unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $226 | $2,715 |
| Newer Homes in High-Fire-Risk Areas | $331 | $3,972 |
| Older Homes | $347 | $4,160 |
| Older Homes in High-Fire-Risk Areas | $507 | $6,086 |
How to Find the Best Home Insurance in Alabama
Finding the best insurance for your needs can be challenging, so we’ve created a guide to help you choose the right option.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Alabama to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Alabama. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Alabama: Bottom Line
The best homeowners insurance companies in Alabama are Nationwide, State Farm and Chubb. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Alabama: FAQ
To help you find the best home insurance, we’ve answered common questions about selecting a provider in Alabama.
Which company is best for home insurance in Alabama?
State Farm is the best homeowners insurance provider in Alabama due to its top scores in affordability, customer service and comprehensive add-on coverage options. COUNTRY Financial, Nationwide, Farmers and Allstate are also great options in the state.
Who has the most affordable homeowners insurance in Alabama?
The most affordable homeowners insurance in Alabama varies based on individual circumstances. However, the average cost of homeowners insurance in Alabama is $4,547 annually.
How do you get the best homeowners insurance in Alabama?
To find the best home insurance in Alabama, decide on coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Alabama: Our Methodology
We rated the best homeowners insurance providers in Alabama using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.