Alfa Car Insurance Review (With Quotes, 2023)

Southern hospitality meets affordable car insurance for an average of $112 per month. That’s Alfa Insurance, which provides car insurance for drivers in Georgia, Alabama, and Mississippi. If you’re in these three states, you ought to put Alfa car insurance on your list, especially if you’re looking for quality, old-fashioned customer service.

But do yourself a favor: don’t stop there. Finding the right car insurance coverage for you is all about comparing rates from as many places as you can. But doesn’t that sound like a lot of work? Enter Insurify. It pulls personalized quotes from all over the industry and shows them to you in one place. It’s super-fast, and it’s free! Give it a try!

Alfa Industry Rankings and Scorecard

Alfa Insurance looks pretty darn good on paper. This chart explores some metrics that independent agencies use to measure car insurance companies against one another. On customer service, Alfa shines, with a strong J.D. Power rating and very few complaints. It also displays impressive financial stability, with an A rating from A.M. Best.

Alfa Car Insurance Quotes by Driver History

It’s always easier to get cheap car insurance when you have a clean driving record, meaning that you have no speeding tickets, at-fault accidents, DUIs, or other violations in the last three years. Alfa car customers seem to benefit from a forgiving margin on DUIs, but speeding tickets and at-fault accidents will put their premiums on par with national average rates.

Alfa Car Insurance Quotes by State

With only three states in its coverage area, Alfa insurance has a tunnel-vision focus on its Southern customers. Note that Alabama residents have to pay the $30 annual joining fee for Alabama Farmers Federation membership to be Alfa customers. Here are average rates for Alfa Insurance policyholders in Alabama, Georgia, and Mississippi:

Alfa Car Insurance Pros and Cons

While Alfa Insurance doesn’t serve a huge populace, this Montgomery-based company appeals to a broad swath of drivers. If you are concerned about the customer service experience and working with a stable company with a reputation for treating people well, Alfa is a great option for you. But you might miss out on bargain rates and extensive coverage options.

Alfa Car Insurance Discounts

Alfa auto insurance presents a solid slate of discounts to its auto customers. You can earn markdowns on your premium based on some attributes of your car and your job and whether you own a home, buy multiple policies with Alfa, get good grades, or do classes or driver training to make yourself a safer driver. Here’s a guide to Alfa’s insurance discounts:

Driver-Based Discounts

Alfa offers a defensive driver discount for older drivers in Alabama and Mississippi and for Georgia drivers of any age who take a defensive driving course that falls under its specifications. Additionally, young drivers between the ages of 16 and 20 can get a discount for completing driver education courses.

Alfa policyholders 16 to 24 years old that are full-time student and earn a GPA of 3.0 or higher can qualify for Alfa’s “youth honor student” discount. Airbags can save you on your premium for medical payments coverage, and you can bring down your bill for comprehensive insurance if your car is equipped with anti-theft devices. Teachers and first responders can save too.

Policy-Based Discounts

Alfa has a handful of policy discounts advertised on its website (alfainsurance.com), but fewer than it does for safety features and driver education. Homeowners receive a discount for owning a home. (Side note: Alfa offers home insurance but not renters insurance.) Having multiple cars on the same policy is another quick way to save money.

Bundling Discounts

Alfa Insurance offers what it calls “relationship discounts,” saying “the more policies you have, the greater the amount of the discount.” Bundling life insurance or even business insurance, farm insurance, or other umbrella policies and insurance products will earn Alfa customers a cheaper auto insurance policy.

Alfa Car Insurance Coverage Options

What insurance products does Alfa insurance offer? First, there’s the standard property damage and bodily injury liability auto insurance coverage you’ll need for any minimum liability insurance policy. There’s also uninsured/underinsured motorist coverage and medical payments that also may come mandatory in your state.

For your vehicle, you can also purchase comprehensive coverage, which protects your car in the event of theft, vandalism, or hazardous weather events when your car is parked, and collision coverage for accidents that damage your car, no matter who is at fault or if you hit a mailbox, a tree, or a deer. Alfa also has extra auto insurance coverage options detailed below.

Loss of Income

If you find yourself disabled by a car accident and unable to work, Alfa will cover you for 85 percent of your lost income up to $750 per month with loss of income coverage. Anyone in your immediate family involved in the car accident who is affected is covered, too. This is disturbing to imagine, but in the event that the unthinkable happens, coverage could be important.

Loss of Use

Let’s say your poor car needs repairs after an accident and you’re forced to rent a car to go to work. Will your insurance provider help? Alfa insurance says it will, offering you coverage of up to $100 per day for a rental car should you suffer from loss of use of your vehicle. If your job or family would be severely harmed by the temporary lack of a car, consider this coverage!

Accidental Death and Dismemberment and Loss of Sight

Heaven forbid you should sustain a very grave injury—even death—or dismemberment or loss of sight in a car accident. You’re welcome to purchase optional coverage from Alfa Insurance that will pay specified amounts based on the severity of the injury. If your health insurance is unlikely to cover you in case of such an accident, you might consider this.

Roadside Assistance

With the addition of roadside assistance to your auto insurance policy, Alfa provides towing, delivery of a couple of gallons of gasoline, and other such 24/7 services that can get you out of a jam on the road.

Loss of Wages for Hearings and Trials

Sometimes, the claims process or aftermath of a vehicle accident requires you to spend time in court, whether at trials or hearings. In this case, Alfa’s liability coverage includes a modest payment for lost wages for every covered person who has to miss work for these court obligations. The $50 per day isn’t much, but it’s better than nothing.

Alfa Car Insurance Reputation

Alfa Insurance lays claim to a reputation for customer service, minimal complaints, and claims satisfaction that is hard to find in the auto insurance industry. Insurance reviews highlight this record of customer satisfaction. It doesn’t have the reputation of giants like State Farm, Allstate, and GEICO for super-low rates, but it’s not known for being expensive, either.

Alfa Insurance began as a fire insurance company in Birmingham and has since expanded to offer a number of insurance products. Though its auto insurance policies are confined to three states, Alfa also offers homeowners insurance, business insurance, and other policies in 11 states in all, among them Ohio, Tennessee, Texas, and Kentucky.

Alfa Customer Service

With a super-low claims rating of .19 from the National Association of Insurance Commissioners (NAIC), Alfa auto insurance is an enticing option for drivers who value a strong relationship between auto insurance companies and policyholders. Alfa says it has an insurance office in every county in Alabama and many in Georgia and Mississippi. Local roots for the win!

Alfa Claims Filing Process

You can report a claim on Alfa’s website or by calling your insurance agent pronto. Alfa outlines the claims process in four steps: first, you want to deliver them as much information as you can about the car accident; then, your claim will get reviewed, and you’ll get an estimate from Alfa; finally, you’ll finish all the paperwork and start to hear about payment.

Alfa: Is it right for you?

If you’re a Southern teacher, government employee, student, or auto manufacturing worker, you may well find a cheap policy from Alfa insurance, and in addition, you’ll know that you’re working with a company with a fantastic customer service record. But before you sign up, use Insurify’s quote-comparison service to get a personalized list of insurance quotes for free.