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Looking for cheap insurance in Alabama? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Alabama. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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The only place where you find cheap car insurance while also getting the best car insurance. We even show you how to get car insurance discounts.

Home Insurance Blog

Whether you want cheap home insurance or the best home insurance, we have the answers to your home insurance questions.

Alabama Insurance Laws and Regulations

The Alabama Department of Insurance develops and enforces insurance laws. Consumers can contact the department with questions and complaints about their home and auto insurance. If you are not receiving the service you expect from an insurer, you can file a complaint against an insurance company with the Alabama Department of Insurance. The Department of Insurance should act on the complaint. Unfortunately they do not publish either raw or compiled complaint data for consumers to reference when buying insurance.

Important Laws

A summary of the driving safety laws for the state of Alabama can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in AL.

The AL Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law mandates that homeowners that strengthen their home against wind can receive discounts on their homeowners insurance. Alabama occasionally has programs that assist homeowners in paying for these retrofits. This program is called Strengthen Alabama Homes. If you live in a coastal county, checkout this program. You may be able to get assistance in strengthening your home that could reduce the cost of your homeowners insurance.

Alabama has minimum auto insurance amounts that are required by law. The table below shows the AL minimum car insurance limits.

Minimum Car Insurance Coverage Required in Alabama

Minimum Coverage
Bodily Injury, per person 25,000
Bodily Injury, per accident 50,000
Property Damage 25,000

Resources Available to Consumers

Small Claims Court is a resource available for you to resolve issues, without needing to hire an attorney. The link in this paragraph to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.