Compare Quotes from Top Providers and Save now!

The average cost of home insurance in Birmingham, Alabama, is $1,111. Birmingham homeowners are advised to get quotes from multiple home insurance providers to identify the cheapest one. Below are the top 5 home insurance companies in Birmingham, AL, by market share.

State Farm

State Farm is the most reliable home insurance company in Alabama, with a major market share of 28.18%. The home insurance company has written direct premiums worth $490,848 and direct premiums earned worth $487,295. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims of current Birmingham policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected by J.D. Power.

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Allstate

Allstate is another major home insurance provider in Alabama, occupying a market share of 11.80%. It has direct premiums written worth $205,513, and direct premiums earned worth $198,979. Allstate has the superior financial ability in granting potential claims of current Birmingham policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

USAA

USSA offers its insurance services only to active and retired army personnel. Despite that, it holds a market share of 8.23%. The total value of direct premiums written and earned by USAA is $143,294 and $137,178, respectively. It has received a financial strength rating of A++ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, USAA has a perfect customer satisfaction score of 5/5.

Farmers

According to NAIC data, Farmers holds a market share of 4.84% in Alabama. The home insurance company has direct premiums written worth $84,392, and direct premiums earned worth $86,260. A.M. Best rated Farmers with an A+ for its superior ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Farmers received a score of 3/5 from J.D power.

Travelers

Travelers has a market share of 4.19%, with direct premiums written worth $72,923, and direct premiums earned worth $71,573. Travelers has the superior financial ability in granting potential claims of current Birmingham policyholders and has been awarded a rating of A++ from A.M. Best. It received a customer satisfaction score of 2/5 from J.D. Power.