If you live in the Southeast and you’ve been researching insurance providers, you may have come across Alfa Insurance. With more than one million customers, the regional provider has made a name for itself with insurance products like Alfa car insurance.
In this article, we’ll go over coverage options, customer service, and more. Then, we’ll see how Alfa auto insurance compares to plans from the best auto insurance companies in the industry.
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In this article:
Alfa Insurance Overview
Alfa Insurance began in 1946 as an extension of the Alabama Farmers Federation with the goal of providing fire insurance to its members. Today, the regional insurer based in Montgomery, Alabama, serves customers in 11 states:
However, Alfa is most prevalent in Alabama, Mississippi, and Georgia. It has an ‘A’ financial strength rating from AM Best, which is slightly lower than most leading insurance providers, and an A+ rating from the Better Business Bureau (BBB).
Alfa Car Insurance Coverage
With an Alfa car insurance policy, you have access to all of the standard types of auto insurance with the exception of personal injury protection (PIP). This is because Alfa does not operate in any no-fault states where PIP would be required.
- Liability auto insurance
- Collision insurance
- Comprehensive car insurance
- Medical payments (MedPay)
- Uninsured/underinsured motorist coverage
Collision and comprehensive policies include up to $200 for lost clothes and luggage, which isn’t common. Additionally, a MedPay policy includes reimbursements for a bed if a family member is injured and you want to stay with them overnight in the hospital.
In addition to these types of coverage, you can get:
- Roadside assistance: Covers labor up to $100 for emergency roadside assistance, such as towing, gasoline delivery, jump-starts, and tire changes
- Loss of income: Pays up to 85 percent of your monthly income (maximum of $750 per month) for up to one year if unable to work after an automobile accident
- Loss of use and travel expense: Pays for rental coverage in a collision or comprehensive loss
Finally, Alfa will reimburse drivers required to attend a trial or hearing at Alfa’s request up to $50 per day for loss of income.
Alfa Car Insurance Cost And Discounts
The cost of Alfa car insurance can depend on a few factors, such as your age, gender, and martial status, as well as
- The type of vehicle you own
- Your location
- Credit score
- Driving history
The table below shows annual premium rate estimates for Alfa car insurance in Mississippi, Alabama, Arkansas, and Georgia. These estimates are based on the profile of a 35-year-old with good credit and a clean driving record. According to the National Association of Insurance Commissioners (NAIC), the national average annual rate for car insurance was $1,056, so Alfa auto insurance rates are a bit higher than most providers.
|State||Alfa Car Insurance Annual Cost Estimate||Average Annual Cost Estimate|
*Data not available for Indiana, Kentucky, Missouri, Ohio, Tennessee, Texas, and Virginia.
How much you pay for car insurance depends on a number of factors, including your age, driving history, location, and vehicle make, model, and mileage. Our research shows that Alfa auto insurance costs about average in the industry. The provider offers several discounts that may make your premium more affordable:
- Safety discounts
- Occupational discounts
- Policy discounts
- Driver’s education discounts
Alfa Reviews And Ratings
Although Alfa Insurance has an A+ rating from the BBB, it does not have any reviews from customers on the site. There are also no reviews for Alfa car insurance on Google reviews. On Yelp, three customers gave the insurer one-star ratings. These customers complained about the claims experience and customer service.
“This is [absolutely the] worst, insurance company I have ever dealt with. Do not get hit by one of their [policyholders] as you will be screwed, and left with no rental, wasting your time, chasing your claim check owed to you after settlement… It took almost [three] weeks for an adjuster to call me, after leaving more than [five] voice messages with no response.”
-Zen D. via Yelp
“Worst insurance/customer service. It seems like the adjuster is avoiding my calls. It has been two days since I was hit by an unlicensed Alfa/Trexis insured driver. My vehicle is not driveable, and they haven’t tried to contact me or get me a rental.”
-Tanvi H. via Yelp
Our Take On Alfa Car Insurance: 2.5 Stars
Compared to the other providers we’ve reviewed, Alfa ranks average to low. Despite serving more than one million customers, there are almost no reviews of Alfa car insurance online, and customers that have left reviews are not pleased with the service. Our review team rates Alfa at 2.5 stars.
|Perks like coverage for lost luggage||Limited availability|
|Poor customer reviews|
|Potentially misleading advertising on website|
Top Recommendations For Auto Insurance
If you’re unsatisfied with Alfa auto insurance or looking for a few more options to compare, we recommend checking out Geico and State Farm. Both insurers performed well in our industry-wide review, earning 4.5 stars for having strong coverage, competitive pricing, and positive customer reviews.
Enter your zip code below to compare free, personalized quotes between top providers.
Geico is one of the largest and best-known insurance companies in the country. With strong tech integrations and reasonable prices, we ranked Geico as the Best Overall in the nation. Geico has a superb reputation as the second largest car insurance company in the country by market share. It’s clear that it has a strong financial base with an A++ rating from AM Best.
In addition to standard coverage, Geico offers roadside assistance, rental car reimbursement, rideshare coverage, and mechanical breakdown insurance. To learn more about coverage, read our full Geico auto insurance review.
State Farm is the largest insurance provider in the nation by market share, and it’s reputation is similarly strong. The insurer has an A++ financial strength rating from AM Best, so you know it has the ability to pay out on customer claims. Beyond standard coverage, you can get roadside assistance, rental car reimbursement, and more.
State Farm has many discount opportunities for drivers, including a good student discount and a safe driving program for drivers under the age of 25. For these reasons, our research team named the provider the Best for Students in 2021. Read our State Farm auto insurance review to find out more.
FAQ: Frequently Asked Questions
Is Alfa auto insurance expensive?
Compared to the national average of $1,732 for full coverage car insurance per year, Alfa auto insurance can be a little costly. According to our annual rate estimates, Alfa car insurance ranged from $1,800 to $2,800 for Alabama, Arkansas, Mississippi, and Georgia.
How do I get a quote for Alfa car insurance?
For Alfa car insurance, Mississippi, Georgia, and Alabama residents are able to get a free, personalized quote online, and car owners in other states where Alfa is available can either call 1-800-964-2532 or find a local agent in their area.
What other insurance does Alfa offer?
Since 1946, the company has grown from providing fire insurance to farmers and federation members to offering an array of insurance coverage policies. Other than minimum and full coverage car insurance policies, Alfa offers health, home, life, farm, and business insurance.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.