Which county in Alabama has the lowest homeowners insurance?

Chambers has the lowest homeowners insurance in Alabama, at $1,773.

What is the homeowners insurance in Chambers?

Chambers is ranked #1 in Alabama for homeowners insurance, at $1,773.

How is this homeowners insurance ranking calculated?

Counties in Alabama are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Alabama (2026)

Full county table and CSV download: Home insurance by county in Alabama

Cheapest counties for homeowners insurance in Alabama

Top 25 of 67 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Alabama

Rank	County	Value
01	Chambers$1,773 County page
02	Pike$1,938 County page
03	Lamar$1,982 County page
04	Russell$1,987 County page
05	Lee$2,024 County page
06	Butler$2,025 County page
07	Autauga$2,040 County page
08	Hale$2,054 County page
09	Calhoun$2,063 County page
10	Tallapoosa$2,070 County page
11	Elmore$2,070 County page
12	Barbour$2,085 County page
13	Colbert$2,086 County page
14	Morgan$2,090 County page
15	Tuscaloosa$2,095 County page
16	Pickens$2,110 County page
17	Talladega$2,128 County page
18	Jackson$2,135 County page
19	Marshall$2,148 County page
20	Crenshaw$2,151 County page
21	Etowah$2,151 County page
22	Macon$2,161 County page
23	Franklin$2,166 County page
24	Cullman$2,171 County page
25	Bibb$2,183 County page

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.

Frequently asked questions

Which county in Alabama has the lowest homeowners insurance?: Chambers has the lowest homeowners insurance in Alabama, at $1,773.
What is the homeowners insurance in Chambers?: Chambers is ranked #1 in Alabama for homeowners insurance, at $1,773.
How is this homeowners insurance ranking calculated?: Counties in Alabama are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.