In Huntsville, State Farm offers the best home insurance, effectively balancing affordability, customer service and coverage options. For those prioritizing cost, State Farm also provides the lowest premium at $298 per month.
Cheap Home Insurance in Huntsville
Updated: June 13, 2025
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Key Takeaways
For homeowners in Huntsville, State Farm provides the best overall value while also delivering the most affordable coverage at $3,573 annually.
On average, home insurance in Huntsville costs $878 per month or $10,541 per year.
To find the right home insurance in Huntsville, assess your coverage needs, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in Huntsville
| State Farm | 93 | $298 | $3,573 |
| Nationwide | 80 | $473 | $5,675 |
| Farmers | 80 | $369 | $4,434 |
| COUNTRY Financial | 75 | $574 | $6,893 |
| Allstate | 70 | $451 | $5,410 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Huntsville Home Insurance Cost?
Home insurance rates in Huntsville depend on factors like your personal profile, coverage level and home details. Costs range from $324 to $2,752 per month. Compare personalized rates below based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $324 | $3,886 |
How to Get the Best Cheap Home Insurance in Huntsville
Finding affordable home insurance in Huntsville can be tough. We've put together a step-by-step guide to help you discover the best cheap homeowners insurance for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Alabama for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Huntsville: Bottom Line
The top three best and cheapest home insurance providers in Huntsville are State Farm, Nationwide and Farmers. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
Huntsville Home Insurance: FAQ
We’ve answered popular questions about home insurance for residents of Huntsville.
Who offers the best home insurance in Huntsville?
We recommend State Farm as the best home insurance provider in Huntsville for its affordability, excellent customer service and diverse coverage options. Also compare quotes from Nationwide, Farmers, COUNTRY Financial and Allstate.
Who has the cheapest home insurance in Huntsville?
State Farm has the most affordable home insurance for most homeowners in Huntsville, costing around $298 per month or $3,573 annually. Your individual rate may differ based on personal factors, home details and coverage options.
What does home insurance cost in Huntsville?
Home insurance costs in Huntsville range from $3,886 to $33,025 annually, depending on home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Huntsville
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Huntsville. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.