🏠 Home insurance cost in Birmingham, AL (2027)
Estimated average: $2,990 per year — +30% vs. the U.S. average of $2,300.
With about 197,575 residents, Birmingham is a mid-size city and the #3 largest city in Alabama. Home insurance rates here are estimated at $2,990 per year, near the Alabama average of $2,990 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Birmingham with other Alabama cities.
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Birmingham home insurance estimator
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Birmingham home insurance FAQ
How much is home insurance in Birmingham, AL?
The estimated average is $2,990 per year — about the state average (0% vs. the Alabama average of $2,990, and +30% vs. the U.S. average).
Is home insurance more expensive in Birmingham than elsewhere in Alabama?
Birmingham has about 197,575 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Birmingham?
Compare at least three quotes from insurers active in Birmingham, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.