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Counties With the Cheapest Homeowners Insurance in Alabama (2026)

Randolph has the lowest homeowners insurance of any county in Alabama, at $1,659, followed by Marion and Pickens (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Alabama

Top 25 of 67 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Alabama
RankCountyValue
1Randolph$1,659
2Marion$1,659
3Pickens$1,659
4Lamar$1,659
5Houston$1,659
6Greene$1,659
7Franklin$1,659
8Fayette$1,659
9Russell$1,659
10Escambia$1,659
11Winston$1,659
12Macon$1,659
13Sumter$1,659
14Coffee$1,659
15Mobile$1,659
16Limestone$1,659
17Covington$1,659
18Calhoun$1,659
19Tallapoosa$1,659
20Shelby$1,659
21Cullman$1,659
22Butler$1,659
23Wilcox$1,659
24Bullock$1,659
25Barbour$1,659

How this ranking works

This page ranks Alabama counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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