🏠 Home insurance cost in Montgomery, AL (2026)
Estimated average: $2,990 per year — +30% vs. the U.S. average of $2,300.
$2,990
Est. home insurance in Montgomery
per year
$2,990
Alabama average
$2,300
U.S. average
198,525
Population
Estimate your home insurance in Montgomery
Montgomery home insurance estimator
Estimated$1,884/year
Starts from the Montgomery estimate. Get quotes to confirm your price.
Montgomery home insurance FAQ
How much is home insurance in Montgomery, 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 Montgomery than elsewhere in Alabama?
Montgomery has about 198,525 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 Montgomery?
Compare at least three quotes from insurers active in Montgomery, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.