Birmingham Insurance Rates:

Birmingham, AL home insurance is about $812 to $1,099, about $67-$91/month. Our detailed research indicates shoppers can save upto $382 by comparing different quotes

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Birmingham Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $210/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1480 sqft Primary Residence Constructed In 1993 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $640/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 1980 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $690/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 3730 sqft Seasonal Residence Constructed In 1968 with Wood Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $80/4 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $75,000

4 Beds, 4 Baths 2127 sqft Primary Residence Constructed In 1934 with Hardwood Flooring, Tile Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/3 months for $230,000 Coverage
15 Year old house spread over a 10,000 sft lot. 4 spacious bedrooms, 3 full baths with big kitchen formal living and dining. 3 car garage with work bench. Central cooling & heating.
4 kids & 1 senior citizen staying with us. Senior executive at a local firm. Good credit.
Home Insurance Rate of $176/2 months for $235,000 Coverage
My house is a new purchase & we recently moved from another state and are looking to figure out if we can get any insurance discounts.
We smoke once in a while but are careful of doing it in the house. We have a spectacular credit score with zero debt & a fully paid down house with grown kids out of the house.

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Birmingham Rates & Quotes Analysis:

Birmingham Area Estimated House Insurance
7th Ave W, Flight Dr, Old Leeds Ln, Bluemont St, Lakeland Ave, Lane Dr, Valley Lake Dr, Reed Rd NE, Yellowstone Dr, Appleberry Rd$954
7th Pl SW, Springs-Republic Rd, Hamilton Ave, 30th Ave N, Highgrove Cir, 55th St, Etna St, Dandridge Cir, 77th Pl S, 4th Place Cir NE$933
15th Ct NW, 23rd St SW, Sims Ave, Walnut Grove Rd, Wilkinson Rd, Wabash St, Center Ave, Aspen Run, Georgetown Ln, Turncliff Way$961
Oak Grove Rd, Courtney St, Woodvale Rd, Grand Rock Ln, Princeton Ave SW, E View Dr, Cooper Hill Ln, Mayfair Cir, 27th St, Selma Way$1,129
Pine Hill Rd, Lee St, Raleigh Ave, 6th Way NW, Carver St, Washington Ave SW, Mulberry Ave, Shady Dell Ln, 60th St N, National St$1,086
Loop Rd, Bethany Ave, Ryland Ave, Thompson St, Garrett Dr, Troy Ter, 19th Ter NE, 39th St N, Eadom Pl, Lucinda Robey Pl$921
Meadow Ct, Hayes Ln SW, Knollwood Dr, Matt Dr, Holt Dr, Old Town Rd, Stonehurst Dr, 87th St N, Edwards St, 25th Ave NW$918
Wedgewood Dr, Ligon St, N Cove Dr, Camille St, Collier Dr, Linpark Dr, Sterling Ridge Cir, Duster Ln, Springdale Rd N, Grayson Valley Dr$1,050
Jackson Blvd, 9th Ct SW, Hutson Ave N, Montrose Rd, Cynthia Dr, Birchwood Way, Randolph Pl, 2nd Ct N, Love Rd, 27th Pl S$1,303
Talmadge Ln, Chrysler Ln, Hamilton Ct, Glen Wood Dr, S Cedar Path Dr, Idaho Ave, Redwing Cir, Walnut Ave SW, E Norman St, 54th St$1,092

Insurance rates are influenced by a number of factors including:

  • Year Built: 35,921 Homes (16% of total homes ) built between 1960 to 1969 in Birmingham are paying home insurance between $1,674-$1,688. Places close to Birmingham, AL such as Homewood, Jefferson County, Mountain Brook are more expensive by $177, $25, $451 respectively while Fairfield and McDonald Chapel are cheaper by $26 and $59 respectively for similar homes.
  • Bedrooms: 25,584 4 bedrooms homes (11% of total homes ) in Birmingham are paying about $1,281 and differs from Homewood (+$135), Jefferson County (+$18), Mountain Brook (+$333), Forestdale (-$7) and Fairfield (-$21).
  • Auto Insurance Bundling: 43,561 Households (40% of all households) in Birmingham have 2 vehicles available and when it is bundled with home insurance you can save $191. Discounts for similar bundling in close by locations such as Homewood, Jefferson County, Mountain Brook come to $211, $194, $242 respectively.
  • Senior Discounts: 56,903 seniors (more than 55 years) occupied housing units (52% of total) in Birmingham get discounts between $143 to $145 and varies from Homewood ($158), Jefferson County ($145), Mountain Brook ($182).
  • New Homes discounts: New homes such as the 70,636 homes built between 2000 to 2009 in Birmingham can save $191 and varies from Homewood ($211), Jefferson County ($194), Mountain Brook ($242).

Birmingham Homeowners insurance Facts

  • Birmingham, AL has 107,918 owner occupied houses which is 58.8% of all units whereas Homewood, Jefferson County and Mountain Brook have 55.55%, 65.2% and 86.94% respectively.
  • Birmingham, AL homeowners yearly insurance price at $956 is 0.81% of the typical house value of $118,000 which is in contrast with 0.37% in Homewood, 0.68% at Jefferson County & 0.23% in Mountain Brook.
  • Homeowners in Birmingham, AL pay 1.66% of their income ($45,000 to $49,999) in insurance whereas homeowners in Homewood, Jefferson County and Mountain Brook pay 1.84%, 1.69% and 2.11% respectively.
  • Birmingham, AL’s insurance is 6.6% of monthly housing costs of $1,217/month, for owners with a mortgage compared to 5.05% in Homewood, 6.19% at Jefferson County & 3.73% in Mountain Brook. But, for households without a mortgage, insurance is 19.6% of costs ($407 in Birmingham, AL) in contrast with 17.17% in Homewood, 20.16% at Jefferson County & 10.53% in Mountain Brook.

Birmingham, AL Home Values & Insurance rates

For example, insurance for 12,078 Homes (12.0% of total homes ) valued between Less than $50,000 in Birmingham, AL is about $200. Rates in nearby areas in such as Homewood, Jefferson County, Mountain Brook are cheaper by $116, $36, $152 respectively while Fairfield and McDonald Chapel are costlier by $44 and $150 respectively for similar homes.

Birmingham, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 12,078 12.0% $200
$50,000 to $59,999 5,742 5.0% $420
$60,000 to $69,999 6,608 6.0% $525
$70,000 to $79,999 6,742 6.0% $602
$80,000 to $89,999 7,316 7.0% $688
$90,000 to $99,999 6,686 6.0% $764
$100,000 to $124,999 12,217 12.0% $889
$125,000 to $149,999 9,354 9.0% $1108
$150,000 to $174,999 7,981 8.0% $1309
$175,000 to $199,999 5,819 5.0% $1510
$200,000 to $249,999 6,839 7.0% $1825
$250,000 to $299,999 4,319 4.0% $2227
$300,000 to $399,999 5,812 5.0% $2829

Renters Insurance in Birmingham

  • Average Renters Insurance in Birmingham :  $241($20/month)

  • Median Gross Rent in Birmingham :  $767

  • Birmingham Renters Insurance to Median Rent Ratio:  2.61%

  • Average household size of renter-occupied unit :  2.36

Birmingham Renters Insurance as a Percentage of Rent

Birmingham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,165 1.0% $360
$200 to $299 3,021 4.0% $810
$300 to $499 7,904 11.0% $1260
$500 to $749 21,926 30.0% $1935
$750 to $999 21,050 29.0% $2685
$1,000 to $1,499 13,270 18.0% $3810
$1,500 or more 2,914 4.0% $5460

Protective device discount in Birmingham Up to :  $36

Claims-free discount in Birmingham Up to :  $48

Birmingham, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35212 $89,900 $950
35217 $82,900 $940
35206 $80,400 $940
35228 $74,200 $930
35208 $72,300 $930
35224 $71,200 $930
35211 $70,300 $930
35204 $63,400 $920
35218 $62,200 $930
35221 $62,000 $920
35207 $58,300 $920
35234 $58,300 $920
35213 $453,300 $1,190
35223 $450,700 $1,190
35242 $332,300 $1,130
35243 $327,400 $1,120
35244 $282,700 $1,090
35209 $277,600 $1,070
35216 $255,800 $1,070
35226 $243,800 $1,050
35203 $227,300 $1,040
35222 $220,000 $1,050
35233 $192,900 $1,000
35205 $156,100 $990
35210 $140,800 $980
35235 $118,600 $960
35215 $107,200 $950
35214 $104,700 $950