Alfa Insurance Review: Cheap Rates and Good Customer Service
- Cheap car insurance for most adult drivers
- Excellent customer service ratings
- Discounts for educators, first responders and others
- Optional accident waiver coverage in Alabama and Mississippi
- Not as cheap for young drivers
- Only in Alabama, Georgia and Mississippi
- Other companies have cheaper home insurance
- Fewer coverage options than many large companies
Is Alfa Insurance a good company?
Alfa is a good company for cheap car insurance in Alabama, Georgia and Mississippi. Its home insurance rates are also affordable. You can save even more with Alfa by bundling policies.
The Alabama-based company gets excellent customer service reviews. For example, it has one of the highest auto satisfaction ratings in the Southeast from J.D. Power
Alfa also has excellent home and auto complaint ratings from the National Association of Insurance Commissioners
How much is Alfa car insurance?
Alfa’s car insurance quotes for typical adult drivers average $83 a month for full coverage
If you live in Alabama, you have to join the Alabama Farmers Federation to get Alfa Insurance. An annual membership costs $36, or $3 a month. The membership requirement does not apply to drivers in Georgia and Mississippi.
Average car insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
| Alfa | $83 |  |
 | Progressive | $83 |  |
 | State Farm | $84 | |
 | Travelers | $92 | |
 | Auto-Owners | $95 |  |
 | Allstate | $100 |  |
 | USAA* | $102 | |
 | Country Financial | $118 | |
 | Farmers | $120 | |
 | Nationwide | $165 | |
Your actual rate depends on factors like your driving record, location and credit. It’s good to compare car insurance quotes from a few different companies to find the cheapest price.
Alfa rates for young drivers
Alfa charges young drivers an average of $527 a month for full coverage car insurance. This is only slightly less than the average rate of $533 a month. Several other companies have cheaper car insurance for teens.
Young driver insurance rates
| Company | Monthly rate |
|---|---|
| USAA* | $297 |
| Progressive | $346 |
| Allstate | $380 |
| Auto-Owners | $388 |
| Safeway | $409 |
| State Farm | $517 |
| Farmers | $520 |
| Alfa | $527 |
| Country Financial | $545 |
| Travelers | $626 |
| Nationwide | $1,305 |
Alfa car insurance discounts
Alfa offers several car insurance discounts that can make its rates even more affordable. These include occupational discounts for drivers in certain professions and fields, including:
- Active military
- Auto manufacturer employees
- Educators
- Farmers
- First responders
- Ministers
- Farmers
- State or federal employees
- Auto manufacturer employees
Another Alfa discount is for bundling your car insurance with a home or renters policy. You can save more by adding an Alfa umbrella, life or watercraft policy to your bundle.
Alfa may also give you a discount for:
- Taking a defensive driver course if you’re at least 55 years old
- Driving a car with air bags or an anti-theft device
Young drivers can get discounts for:
- Getting good grades
- Completing a driver training program
- Passing an authorized youth driving test
No app-based discount
Unlike larger companies we’ve reviewed, Alfa does not have an app-based safe driver program. Companies like State Farm and Progressive have smartphone apps that monitor how safely you drive. You get a discount by signing up and downloading their apps. If you drive safely enough, you get a discount each time you renew your policy.
Alfa does have a smartphone app you can use to manage your policy. You can use it to make payments, manage your coverage and submit claims. Unfortunately, you don’t get a discount for using this app.
Alfa car insurance coverage
Alfa has normal car insurance coverages like liability, collision and comprehensive. It also offers basic add-ons like:
-
Uninsured motorist
Covers you and your passengers for injuries caused by a driver without insurance. -
Medical payments
Covers injuries to you and your passengers, whether you or another driver causes an accident. -
Accident waiver
This protects you from a rate increase after an at-fault accident. It is also known as accident forgiveness. -
Loss of use
Pays for a rental car while your car is in the shop for covered repairs. Some other companies call this rental reimbursement.
Alfa does not offer gap insurance
How much is Alfa home insurance?
Alfa’s home insurance quotes average $1,769 a year, or $147 a month. This is 12% less than the regional average of $168 a month. However, Allstate and Auto-Owners have cheaper homeowners insurance.
| Company | Annual rate | LendingTree score |
|---|---|---|
| Allstate | $1,222 | |
| Auto-Owners | $1,608 | |
| Alfa | $1,769 | |
| Country Financial | $1,900 | |
| USAA* | $2,279 | |
| Nationwide | $2,287 |  |
| Farmers | $2,382 | |
| State Farm | $2,641 | |
Alfa homeowners insurance discounts
Alfa offers fewer discounts for homeowners insurance than it does for auto policies. However, it is one of the few companies that offers a legacy discount. If your parents are Alfa customers, you can get a discount on your own Alfa home or renters policy. Alfa may also give you a discount for:
- Safety devices like burglar alarms, deadbolt locals and fire extinguishers
- Having your home certified as Fortified by the Insurance Institute for Business and Home Safety or another recognized organization
What does Alfa homeowners insurance cover?
Alfa’s home insurance coverages are pretty basic. They cover damage to your home and belongings from named perils
-
Scheduled personal property
This increases your protection for valuables like jewelry. -
Home systems protection
This covers essential appliances for mechanical or electrical failure. -
Personal property replacement cost
This pays to replace damaged or stolen possessions with new items. Without this, Alfa deducts the cost of wear and tear from your payment. -
Home sharing
This covers damage and injuries tied to offering your home as a short-term rental.
Methodology
Rates are based on public filings submitted to the Alabama Department of Insurance. Prices are shown for comparative purposes only. Your own rates may be different.
Car insurance quotes are for a married 30-year-old man with good credit. Coverage includes:
- Bodily injury liability: $100,000 per person, $300,000 per accident
- Property damage liability: $50,000
- Uninsured/underinsured motorist bodily injury: $25,000 per person, $50,000 per accident
- Medical payments: $5,000
- Collision: $500 deductible
- Comprehensive: $250 deductible
Young driver rates are for a single, 18-year-old male with:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist bodily injury: $25,000 per person, $50,000 per accident
- Medical payments: $1,000
- Collision: $500
- Comprehensive: $250
Homeowners insurance rates are for standard HO-3 policies with $300,000 in dwelling coverage and a $500 deductible. They also include coverage for other structures, loss of use, personal liability and guest medical payment.
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For LendingTree scores, our team of insurance experts rated insurance companies in several categories. These include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the NAIC and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study.
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*USAA is only available to current and former members of the military and their families.