Fairfield Insurance Rates:

Fairfield, AL home insurance is nearly $798 to $1,084, about $66-$90/month. Our in depth analysis shows customers can save upto $376 by comparing different quotes

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Fairfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $1190/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Baths 4590 sqft Primary Residence Constructed In 1976 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $90/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 2100 sqft Seasonal Residence Constructed In 1955 with Linoleum, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $600/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Bath 3280 sqft Vacation Property Constructed In 1999 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1960 sqft Seasonal Residence Constructed In 1974 with Wood Flooring, Tile Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 4180 sqft Primary Residence Constructed In 1972 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $500/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1990 sqft Primary Residence Constructed In 1979 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $310/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1540 sqft Seasonal Residence Constructed In 1940 with Wood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 2010 sqft Rental Property Constructed In 1973 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Fairfield, AL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
35064 $92,100 $950

Fairfield Rates & Quotes Analysis:

Fairfield Area Estimated House Insurance
Tin Mill Rd, Clyde Ave, Price St, Sherwood Cir, Rutledge Dr, Linda Ln, Elam St, 59th St, Simmons St, Hickory Cir$934
Brown Pl, Highland Cir, 52nd Aly, Larkin St, Commerce Ave, 12th Ter, Creel St, Newport Rd, E J Oliver Blvd, Phillips Dr$924
Cambridge Way, Cambridge St, 44th St, Grant St, 7th Aly, Vandergrift Rd, 7th Ct, Rutledge Way, Hardy St, McPherson Ave$925
Oakland Dr, Muir Dr, Acadia Ter, 39th Pl, Breland Dr, Griffin Dr, 41st St, Ave A, Edwards St, Co Rd 80$922
62nd St, Overklook Pl, Brookwood Rd E, Woodfall Dr, Toledo St, Webb St, Railroad St, Franklin Ave, Glenridge Dr, Ensley Pleasant Grove Rd$921

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,139 Homes (23% of total) built between 1950 to 1959 in Fairfield are paying home insurance between $1,770-$1,784 in contrast with Pleasant Grove (+$70), Jefferson County (+$55), Birmingham (+$28), Midfield (-$18) and Brighton (-$51).
  • Bedrooms: 1,410 2 bedrooms homes (29% of total homes ) in Fairfield are paying about $687 and varies from Pleasant Grove (+$27), Jefferson County (+$22), Birmingham (+$11), Brighton (-$19) and McDonald Chapel (-$3).
  • Auto Insurance Bundling: 626 Households (25% of all households) in Fairfield have 3 or more vehicles available and when it is bundled with home insurance you can save $235 and varies from Midfield ($232), Brighton ($228), McDonald Chapel ($230).
  • Senior Discounts: 1,617 seniors (more than 55 years) occupied housing units (65% of total) in Fairfield get discounts between $140 to $143. The comparative concessions in proximate regions such as Midfield, Brighton and McDonald Chapel are $139, $137 and $138 respectively.
  • New Homes discounts: New homes such as the 1,608 homes built between 2000 to 2009 in Fairfield can save $188 and similar new home insurance discounts in nearby towns and cities like Midfield, Brighton and McDonald Chapel are $186, $183 and $184 respectively.

Fairfield Homeowners insurance Facts

  • Fairfield, AL has 2,475 owner occupied houses which is 58.7% of all units whereas Midfield, Brighton and McDonald Chapel have 72.66%, 54.7% and 90.11% respectively.
  • Fairfield, AL homeowners yearly insurance price at $941 is 1.0% of the typical house value of $94,000 which is in contrast with 1.19% in Midfield, 1.7% at Brighton & 1.41% in McDonald Chapel.
  • Homeowners in Fairfield, AL pay 2.9% of their income ($30,000 to $34,999) in insurance whereas homeowners in Midfield, Brighton and Lipscomb pay 2.86%, 2.82% and 2.83% respectively.
  • Fairfield, AL’s insurance is 7.5% of monthly housing costs of $1,042/month, for owners with a mortgage compared to 7.24% in Midfield, 7.98% at Brighton & 9.64% in McDonald Chapel. But, for households without a mortgage, insurance is 17.9% of costs ($439 in Fairfield, AL) in contrast with 19.4% in Midfield, 23.53% at Brighton & 28.49% in McDonald Chapel.

Fairfield, AL Home Values & Insurance rates

For example, insurance for 206 Homes (8.0% of total homes ) valued between $50,000 to $59,999 in Fairfield, AL is about $517. Rates in nearby areas in such as Pleasant Grove, Jefferson County, Birmingham are cheaper by $195, $168, $97 respectively while Midfield and Brighton are costlier by $106 and $370 respectively for similar homes.

Fairfield, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 306 12.0% $244
$50,000 to $59,999 206 8.0% $517
$60,000 to $69,999 225 9.0% $649
$70,000 to $79,999 197 8.0% $743
$80,000 to $89,999 184 7.0% $846
$90,000 to $99,999 300 12.0% $950
$100,000 to $124,999 360 14.0% $1100
$125,000 to $149,999 238 9.0% $1373
$150,000 to $174,999 177 7.0% $1618
$175,000 to $199,999 93 3.0% $1872
$200,000 to $249,999 92 3.0% $2248
$250,000 to $299,999 70 2.0% $2757

Renters Insurance in Fairfield

  • Average Renters Insurance in Fairfield :  $270($22/month)

  • Median Gross Rent in Fairfield :  $645

  • Fairfield Renters Insurance to Median Rent Ratio:  3.41%

  • Average household size of renter-occupied unit :  2.37

Fairfield Renters Insurance as a Percentage of Rent

Fairfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 63 3.0% $367
$200 to $299 153 9.0% $817
$300 to $499 318 19.0% $1267
$500 to $749 600 37.0% $1942
$750 to $999 263 16.0% $2692
$1,000 to $1,499 162 10.0% $3817
$1,500 or more 41 2.0% $5467

Rent Affordability in Fairfield:

Approximately 59.0% (1,034) of households are spending more than 35% of their income on gross rent in Fairfield

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 160 9.0%
15.0 to 19.9 percent 51 2.0%
20.0 to 24.9 percent 224 12.0%
25.0 to 29.9 percent 203 11.0%
30.0 to 34.9 percent 70 4.0%
35.0 percent or more 1,034 59.0%

Protective device discount in Fairfield Up to :  $40

Claims-free discount in Fairfield Up to :  $54