Alfa Insurance Auto Insurance Review: Ratings and Quotes (2024)

Alfa Insurance offers liability coverage for $194 per month and full coverage for $286 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated January 2, 2024

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Alfa Insurance is an offshoot of the Alabama Farmers Federation, which was founded in 1946. It offers a variety of car insurance products and financial services in Alabama, Georgia, and Mississippi. You can request a quote online or work with a local insurance agent to learn more about its auto insurance coverage options.

The insurance company offers a variety of discounts and perks, such as rental car insurance, accident waivers, and roadside assistance. Before buying a policy, you should compare car insurance quotes from a few other companies. Here’s what else you need to know about Alfa Insurance.[1]

Quick Facts
  • Alfa’s car insurance rates are higher than most of its competitors’ rates.

  • You can work with an Alfa auto insurance agent to find the right policy in Alabama, Georgia, or Mississippi.

  • Alfa offers a variety of discounts, including options for drivers in certain occupations.

How Alfa Insurance stacks up

Compared to its competitors, Alfa offers higher rates and fewer discounts. It’s also available in fewer states. However, its customer service is on par with similar insurance companies, and its financial strength ratings are stronger.

FactorHow Alfa Insurance Compares
RatesHigher
Customer serviceSimilar to competitors
DiscountsFewer than competitors
AvailabilityLess than competitors
Financial strengthStronger than competitors

Average cost of Alfa auto insurance

On average, Alfa car insurance costs $194 per month for liability coverage and $286 for full coverage, higher than the national averages of $104 for liability coverage and $215 for full coverage. 

If you’re struggling to find auto insurance coverage through another auto insurer, Alfa is worth exploring. Just know that you may pay higher car insurance rates.

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Alfa Insurance reviews and ratings

Alfa Insurance earned an A+ rating with the Better Business Bureau (BBB).[2] However, it’s a good idea to do your research to learn more about how the company treats policyholders and handles customer problems.

Alfa Insurance customer reviews

There aren’t many publicly available reviews for Alfa. However, it earned 4.06 out of 5 stars on Clearsurance. Reviews are mixed, however, with a few people complaining about customer service quality.[3]

Alfa Insurance ratings

Auto insurance companies are usually rated for financial strength. When an insurance company holds a good financial strength rating, it’s likely to pay out claims on time, even when it receives many of them. Car insurance companies also earn ratings for customer satisfaction, competitive prices, and discounts.

Here are several ratings that Alfa Insurance has received:

  • AM Best: A (Excellent)[4]

  • J.D. Power: 862 out of 1,000[5]

  • NAIC Complaint Index: 3 complaints and a score of 0.29[6]

Alfa car insurance coverage options

Alfa Insurance offers standard coverages, such as liability insurance for property damage and bodily injury, as well as comprehensive insurance and collision insurance. In addition, you can choose from these optional car insurance policies:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can come in handy if you get into an accident with a driver who doesn’t have insurance or lacks sufficient coverage.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage helps pay for medical bills after a covered loss, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Loss of use coverage

    Loss of use coverage pays for a rental car when your car is in the body shop for repairs.

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Alfa car insurance cost by state

The state you live in will determine car insurance requirements and costs. You may pay a different premium in Alabama than you would in Mississippi, for example, since each state has different minimum requirements and driving risks. 

Here’s an example of the average monthly cost of Alfa car insurance in the three states where coverage is available.

StateAverage Quote: Full CoverageAverage Quote: Liability Only
Alabama$585$392
Georgia$350$237
Mississippi$232$157
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Alfa auto insurance rates by driving history

Your driving record can have a significant effect on your auto insurance rates. If you have a driving history of speeding tickets, at-fault accidents, or DUIs, you can expect higher premiums. Insurers typically reserve the lowest rates for drivers with a clean record.

Below, you’ll find the average monthly costs of Alfa car insurance for people with different types of driving records. As you can see, drivers with a history of DUIs face the highest costs.

Driving HistoryAverage Quote: Full CoverageAverage Quote: Liability Only
Clean record$286$194
With speeding ticket$464$316
With at-fault accident$482$328
With DUI$547$372
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Alfa car insurance cost by age

Car insurance companies, including Alfa, consider your age when they underwrite your auto policy and determine your rates. In general, teen drivers pay higher rates for auto policies than older drivers with more experience on the road.

Here’s a look at what Alfa charges, on average, for different ages.

Age GroupAverage Monthly Quote
Teens$347
20s$241
30s$181
40s$165
50s$145
60s$136
70s$145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Alfa car insurance discounts

As you shop around for a car insurance company, pay attention to discounts. They can help you lower your monthly payment for different types of coverage. Local agents can inform you of which discounts might apply to you. 

Check out the various car insurance discounts that Alfa Insurance advertises:[7]

Alfa Insurance vs. other insurance companies

Because of the highly saturated car insurance market, it’s worth your time and effort to see how Alfa compares to other car insurance companies.

Insurance CompanyLiability OnlyFull CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Alfa Insurance$194$286N/A
Anchor$72$1432.8
West Bend$102$150N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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Alfa Insurance vs. Anchor

Anchor specializes in auto insurance for high-risk drivers. It can help you fulfill your SR-22 requirements in Texas, Arizona, Washington, Oregon, and California. Compared to Alfa, the company serves more states. If you’re a high-risk driver and don’t qualify for coverage with Alfa, Anchor may be a good option. This is particularly true if you need to file an SR-22.[8]

Alfa Insurance vs. West Bend

Based in Wisconsin, West Bend Mutual Insurance serves 14 states with a variety of basic and specialty car insurance products. TravelNet is West Bend’s 24/7 emergency roadside assistance service that can come in handy if you get stranded on the side of the road.

On average, West Bend offers more competitive rates than Alfa. It should be on your radar if you can land a lower premium, especially if you don’t mind working with an independent insurance agent.[9]

How to file an auto insurance claim with Alfa Insurance

You can file a claim with Alfa in one of two ways:

  • Online: Go to the Alfa website and click on the Claims tab to fill out an online claim form.

  • By phone: Call 1 (800) 964-2532 and choose option 3 to speak to an Alfa customer service representative.

To file a claim, you’ll need to provide your name, your insurance policy number, the date of loss, the cause of loss, contact information, the severity of your loss, and any witnesses.

Alfa Insurance FAQs

If you’re considering purchasing a policy with Alfa Insurance, the answers to these commonly asked questions might help as you explore your coverage options.

  • Is Alfa Insurance legitimate?

    Yes. Alfa Insurance is a legitimate company that dates back to 1946 and serves drivers in Alabama, Georgia, and Mississippi. The company also earned an A rating from the Better Business Bureau (BBB).

  • What is the average cost of Alfa Insurance car insurance?

    You can expect to pay an average of $194 per month for a liability policy and $281 for full coverage with Alfa Insurance.

  • Is Alfa Insurance good at paying claims?

    Yes. Alfa has an A rating from AM Best, indicating reliability when it comes to paying out claims.

  • Who owns Alfa Insurance?

    Alfa General Insurance Corporation owns Alfa Insurance.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Alfa Insurance. "About Alfa."
  2. Better Business Bureau. "Alfa Insurance."
  3. Clearsurance. "Alfa Insurance Reviews."
  4. Ambest.com. "AM Best Removes from Under Review, Downgrades Credit Ratings of Arizona Automobile Ins Co; Affirms Ratings of Alfa Mutual Ins Co."
  5. Jdpower.com. "2022 U.S. Auto Insurance Study."
  6. Naic.org. "Consumer Insurance Refined Search Results."
  7. Alfa Insurance. "Auto Insurance Discounts."
  8. Anchor General Insurance Agency. "Auto Insurance."
  9. West Bend Mutual Insurance. "Explore Our Coverages."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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