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Alabama

Telecom Compliance Reference — Updated January 2002

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$2,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Alabama

Insurance agency telemarketing and lead generation compliance in Alabama

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Ala. Code § 8-19C-1 et seq.

Alabama imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $2,000 per-violation penalties.

Alabama Insurance Overview

Insurance telemarketing in Alabama operates primarily under federal TCPA and CMS rules. The state Telemarketing Act adds registration and bonding requirements but does not create a private right of action. Licensed agents calling their own policyholders have limited exemptions. For prospecting, manual dialing to non-DNC numbers is the safest approach. Automated outreach to leads requires federal-compliant written consent.

Penalty/Violation

$2,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Register with Alabama AG as telemarketing company if making solicitation calls,Post $50,000 surety bond,Licensed insurance agents calling existing policyholders about current policies may have limited exemptions,Prior express written consent required for automated calls and texts to prospects,Scrub Alabama No-Call List AND federal NDNC before outbound campaigns,Medicare/Medicaid: follow CMS marketing rules during AEP/OEP,Honor opt-out requests immediately,Calling hours: 8 AM to 9 PM local time

What Gets Companies Sued

✗Common violations for insurance companies in Alabama: (1) Automated dialing to Medicare leads without written consent; (2) Failing to register with the AG; (3) Calling numbers on state or federal DNC lists; (4) Using purchased lead lists with bundled consent for automated outreach; (5) Not honoring opt-out requests.

Special Exemptions

Licensed insurance agents calling existing policyholders about current policy matters may be partially exempt from registration. EBR provides coverage for manual calls to existing customers within 18 months.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Alabama

Gulf Coast Insurance Marketing

$185,000

Nov 2023

dnc violationprerecorded messages

Insurance marketer fined for prerecorded messages to AL DNC registrants.

All enforcement actions in Alabama →

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →