Best & Cheapest Homeowners Insurance in Huntsville, AL 2024
Allstate provides the most affordable homeowners insurance rates in Huntsville, with average annual premiums of $890.
In our comprehensive evaluation of homeowners insurance providers in Huntsville, AL, Allstate emerges as the most budget-friendly option, with average annual rates of $890. However, it’s important to recognize that the best insurer for you may vary based on your unique circumstances and requirements.
For instance, if you have a lower credit score, USAA offers the most economical choice with an average annual premium of $1,675.
Conversely, if you own a newly constructed home, Allstate once again provides the most cost-effective solution at $682 per year.
Lastly, if you have valuable personal property requiring protection, Nationwide proves to be the best option, offering extensive coverage at a reasonable $1,334 per year.
Our detailed analysis at Insuranceopedia aims to assist you in finding the perfect fit for your homeowners insurance needs. By comparing customer ratings, evaluating personal experiences, and presenting comparison charts, we provide all the essential information to empower you to make an informed decision.
How much is homeowners insurance in Huntsville, AL?
Allstate offers the most affordable rate in Huntsville, priced at $890 annually.
As depicted below, rates in Huntsville are lower than the national average. Additionally, Huntsville rates are also lower than the average rate in the state of Alabama.
| Area | Average Monthly Rate |
| National | $1,820 |
| Alabama | $2,385 |
| Huntsville | $1,154 |
It’s important to understand that rates are not universal; they can vary significantly based on numerous factors.
Cheapest Homeowners Insurance in Huntsville, AL
Our Methodology
To find the most affordable home insurance rates in Huntsville, we analyzed data from various home insurance review sites, including some that sourced rates from public filings by Quadrant Information Services. We averaged these rates for our review, but it's important to note that rates from each company can fluctuate frequently and will depend on your specific circumstances. Additionally, our overall rating considers my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance policies.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
Cheapest Overall Home Insurance In Huntsville, AL
Allstate is the most affordable overall option for homeowners insurance in Huntsville, AL, with an average annual rate of $890.
| Company | Annual Premium |
| Allstate | $890 |
| Nationwide | $1,254 |
| Auto-Owners | $1,375 |
| State Farm | $1,594 |
| Travelers | $1,670 |
Your policy cost is influenced by various factors such as location, home value, and claims history. Allstate offers a balanced mix of affordability and comprehensive coverage.
Cheapest home insurance If You Have Poor Credit
If you have a less-than-stellar credit score, USAA offers the most affordable solution, with an average annual rate of $1,675.
| Insurance Company | Average Annual Premium |
| USAA | $1,675 |
| Allstate | $2,240 |
| Nationwide | $2,269 |
| Travelers | $2,530 |
| State Farm | $3,390 |
Your credit score can greatly affect how much you pay for insurance because insurers use it to assess risk. USAA believes in offering fair coverage to all, regardless of financial background.
Cheapest Homeowners Insurance for Newly Constructed Homes
If you’ve recently purchased a newly constructed home, Allstate offers the most affordable solution, with an average annual rate of $682.
| Insurance Company | Average Annual Premium |
| Allstate | $682 |
| Nationwide | $990 |
| Auto-Owners Insurance | $1,021 |
| State Farm | $1,154 |
| Country Financial | $1,234 |
Newly constructed homes often require different coverage compared to older homes, and Allstate excels in offering affordable policies tailored to these specific needs.
Cheapest Home Insurance for Lots of Personal Property
If you own a lot of personal property, Nationwide provides the most affordable rates, with an average annual rate of $1,334.
| Insurance Company | Average Annual Premium |
| Nationwide | $1,334 |
| Auto-Owners | $1,437 |
| USAA | $1,548 |
| MetLife | $1,598 |
| State Farm | $1,730 |
As your personal property increases, your coverage needs also increase, which may result in higher premiums. Nationwide provides comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected.
Best Homeowners Insurance Companies in Huntsville, AL
In Huntsville, AL, choosing the right homeowners insurance isn’t just important; it’s a strategic decision. With a rich history and diverse cultural heritage, Huntsville’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates is crucial.
To streamline your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Huntsville, AL. These companies have been assessed based on criteria such as annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Explore our comparison chart below to find the perfect fit for your home insurance needs.
| Ranking | Company | Annual Premium |
| 1 | Allstate | $890 |
| 2 | Nationwide | $1,254 |
| 3 | Auto-Owners | $1,375 |
| 4 | State Farm | $1,594 |
| 5 | Travelers | $1,670 |
| 6 | MetLife | $1,376 |
| 7 | Country Financial | $1,690 |
Average Home Insurance Rates by Zip Codes
Homeowners insurance prices in Huntsville, AL vary significantly based on the zip code. Below are tables showing rates for different zip codes in Huntsville, along with the five least expensive and most expensive zip codes in the area for yearly home insurance premiums.
| ZIP Code | Average Insurance Premium (Annual) |
| 35801 | $2,145 |
| 35824 | $2,124 |
| 35811 | $2,092 |
| 35805 | $2,299 |
| 35816 | $2,266 |
Cheapest Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 35808 | $2,092 |
| 35810 | $2,122 |
| 35811 | $2,124 |
Most Expensive Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 35805 | $2,308 |
| 35816 | $2,299 |
| 35824 | $2,283 |
Average Home Insurance Rates in Huntsville, AL by Deductible Amount
The deductible you select for a homeowners insurance policy can significantly affect the premium rates in Huntsville, AL. Here’s how the average home insurance rates vary with different deductible amounts from insurers:
| Deductible Amount | Annual Rate |
| $500 | $1,465 |
| $1,000 | $1,388 |
| $2,000 | $1,275 |
| $5,000 | $1,087 |
Average Home Insurance Rates in Huntsville, AL By Coverage Amount
One important factor that influences your premium is the dwelling coverage amount. This represents the maximum sum your insurance provider will pay to rebuild or repair your home if it’s damaged or destroyed. Let’s take a look at a comparison chart that shows the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $100,000 | $1,301 |
| $200,000 | $1,432 |
| $300,000 | $1,767 |
| $350,000 | $1,831 |
| $400,000 | $2,010 |
Average Home Insurance Rates in Huntsville, AL by Company
Here’s a comparison table showing annual premiums from some of the top providers in Huntsville, Alabama:
| Company | Annual Premium |
| Allstate | $890 |
| Nationwide | $1,254 |
| Auto-Owners | $1,375 |
| State Farm | $1,594 |
| Travelers | $1,670 |
| MetLife | $1,376 |
| Country Financial | $1,690 |
How Much is Homeowners Insurance for Other Cities in Alabama?
Here’s a detailed comparison chart showcasing the cheapest companies and their annual premiums across various cities in Alabama.
| City | Annual Premium |
| Birmingham | $1,886 |
| Athens | $1,370 |
| Mobile | $2,212 |
| Montgomery | $1,413 |
Getting Online Homeowners Insurance Quotes in Alabama
With informative platforms like Insuranceopedia, discovering the best coverage for your individual needs is simple. By providing fast online quotes from top-rated insurers, Insuranceopedia enables you to compare rates effortlessly. Just input your details, and we’ll offer you a variety of options customized to your needs.
This empowers you to confidently choose a policy that offers the best value, striking a balance between cost and comprehensive coverage.
FAQs
Who has the cheapest home insurance in Huntsville, AL?
Allstate provides the most affordable home insurance in Huntsville, Alabama, with an annual premium of $890.
What is the average cost of home insurance in Huntsville, AL?
The average annual cost of homeowners insurance in Huntsville, Alabama, is approximately $1,154.
