Housing
Alabama vs Alaska: Home Insurance Cost
Alaska has cheaper average home insurance than Alabama by $3,314.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
Alabama
#42 · $4,637/yr
Alaska
#7 · $1,323/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
Selected states
#42
Alabama
$4,637/yr
Alabama
Alabama ranks 42nd and Alaska ranks 7th nationally for home insurance cost.
What this means
Alabama vs Alaska: Home Insurance Cost in context
Alaska's home insurance cost is $1,323/yr, compared with $4,637/yr in Alabama. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
Alabama
$4,637/yr
Alaska
$1,323/yr
Difference
$3,314
People also ask
Alabama vs Alaska Home Insurance Cost — common questions
QWhat is Alabama's home insurance cost?
Alabama's home insurance cost is $4,637/yr.
QWhat is Alaska's home insurance cost?
Alaska's home insurance cost is $1,323/yr.
QWhich state has a lower home insurance cost — Alabama or Alaska?
Alaska has cheaper average home insurance than Alabama by $3,314.
More comparisons: Alabama vs Alaska
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Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.