Alabama Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $299,000 Alabama home costs about $723, and the lender's policy issued with it about $125, under the filed rate schedule. The owner's policy rate is $3.50 per $1,000 up to $50,000, $3 per $1,000 from $50,000 to $100,000, $2 per $1,000 from $100,000 to $5,000,000, $1.75 per $1,000 from $5,000,000 to $10,000,000, $1.25 per $1,000 above $10,000,000, with a minimum premium of $125 (the price is rounded up to the next $1,000).
Alabama title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $425 | $125 | $550 |
| $200,000 | $525 | $125 | $650 |
| $250,000 | $625 | $125 | $750 |
| $300,000 | $725 | $125 | $850 |
| $350,000 | $825 | $125 | $950 |
| $400,000 | $925 | $125 | $1,050 |
| $450,000 | $1,025 | $125 | $1,150 |
| $500,000 | $1,125 | $125 | $1,250 |
| $600,000 | $1,325 | $125 | $1,450 |
| $700,000 | $1,525 | $125 | $1,650 |
| $800,000 | $1,725 | $125 | $1,850 |
| $1,000,000 | $2,125 | $125 | $2,250 |
Alabama uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: WFG National Title Insurance Company.
Alabama title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Alabama rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Alabama varies by county and by contract. No official statewide source found stating whether buyer or seller customarily pays the owner's policy premium in Alabama; left unspecified rather than guessed (same conclusion as data/closing/alabama.json).
When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $125); that is the lender figure used on this page.
Title insurance at the county median price
The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Alabama county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Baldwin County | $287,000 | $699 |
| Calhoun County | $149,500 | $425 |
| Jefferson County | $224,900 | $575 |
| Lee County | $238,700 | $603 |
| Madison County | $267,800 | $661 |
| Mobile County | $176,600 | $479 |
| Montgomery County | $160,100 | $447 |
| Morgan County | $193,000 | $511 |
| Shelby County | $298,700 | $723 |
| Tuscaloosa County | $233,700 | $593 |
All 67 Alabama counties
- Autauga County
- Baldwin County
- Barbour County
- Bibb County
- Blount County
- Bullock County
- Butler County
- Calhoun County
- Chambers County
- Cherokee County
- Chilton County
- Choctaw County
- Clarke County
- Clay County
- Cleburne County
- Coffee County
- Colbert County
- Conecuh County
- Coosa County
- Covington County
- Crenshaw County
- Cullman County
- Dale County
- Dallas County
- DeKalb County
- Elmore County
- Escambia County
- Etowah County
- Fayette County
- Franklin County
- Geneva County
- Greene County
- Hale County
- Henry County
- Houston County
- Jackson County
- Jefferson County
- Lamar County
- Lauderdale County
- Lawrence County
- Lee County
- Limestone County
- Lowndes County
- Macon County
- Madison County
- Marengo County
- Marion County
- Marshall County
- Mobile County
- Monroe County
- Montgomery County
- Morgan County
- Perry County
- Pickens County
- Pike County
- Randolph County
- Russell County
- Shelby County
- St. Clair County
- Sumter County
- Talladega County
- Tallapoosa County
- Tuscaloosa County
- Walker County
- Washington County
- Wilcox County
- Winston County
Title insurance in Alabama cities
| City | Median home price | Owner's policy |
|---|---|---|
| Huntsville | $263,100 | $653 |
| Birmingham | $138,600 | $403 |
| Montgomery | $148,500 | $423 |
| Mobile | $170,300 | $467 |
| Tuscaloosa | $236,600 | $599 |
| Hoover | $391,300 | $909 |
| Auburn | $342,400 | $811 |
| Dothan | $186,600 | $499 |
| Madison | $367,900 | $861 |
| Decatur | $190,500 | $507 |
What the two policies cover
The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.
Frequently asked questions
How much is title insurance in Alabama?
On a $299,000 home, the Alabama median, an owner's title policy costs about $723 under the filed rate schedule, and the lender's policy issued with it costs $125, so both policies together are about $848. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Alabama?
Who pays for the owner's policy in Alabama varies by county and by contract. No official statewide source found stating whether buyer or seller customarily pays the owner's policy premium in Alabama; left unspecified rather than guessed (same conclusion as data/closing/alabama.json).
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Alabama?
Yes. Alabama underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
See all Alabama buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
Title insurance in every state