Alfa Auto Insurance Review for 2024

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Professor & Published Author

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 20, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts. Rating: 1 star1 star1 star1 star1/2 star

Alfa’s humble beginnings can be traced back to 1946, when the company was originally founded as a federation dedicated to providing fire insurance to Alabama farmers. Due to the success of their business over the past 70 years, the company has expanded to offer a wide selection of different financial products – including Home, Auto, and Life insurance – to customers in large parts of the South, Southwest, and Midwest today.

Alfa Insurance Review

One way to pick a good insurance company is to see what other people are saying about them. And whether you’re talking about a current customer or a financial expert, it seems as though everyone has good things to say about Alfa. Their current financial strength rating gets a solid “A” from A.M. Best, and they are rated as receiving fewer complaints than average from their customers.

Metric Rating
AM Best Financial Strength Rating (2016) A
Better Business Bureau Rating (2016) N/A
NAIC Complaint Index (2012) 0.82 (Lower than Average)

Alfa Insurance Discounts

Like all insurance companies, Alfa wants to attract your business by offering money-saving discounts. Some of the more prominent ones which Alfa offers are:

Discount Type Amount
Defensive Driver 5%
Air Bags 25% (Medical Payments Coverage Only)
Anti-Theft Device 10% (Comprehensive Coverage Only)
Combo Auto + Home 12%
Payment in Full or Electronic Funds Transfer $3 savings / installment

*Data Available at

Additionally, Alfa offers youth-targeted discounts for young, unmarried drivers between the ages of 16-24. Some of these discounts include good grades, driver education discounts, and discounts for passing a Defensive Driving course. Likewise, you can get discounts for bundling policies with Alfa or owning a home; however, it is difficult for Alfa to display the exact discount amount due to different states having different rules and regulations.

Alfa Auto Insurance Options

Alfa will happily provide you with the typical liability coverage offered by most automotive insurance providers. Additionally, they also offer the following benefits which are unique to their company:

  • Paid Court Appearance – if Alfa has to request your presence at court, they will compensate you $50 per day
  • Theft Compensation – if items within your vehicle are stolen and you file a claim through your Comprehensive or Collision coverage, you may be entitled to as much as $200 to replace lost clothing or luggage plus benefit limits for any transportation expenses
  • Your Medical Payments coverage can offer to pay for a companion bed in the event of overnight hospital stays, medical services, and funeral expenses – regardless of fault

Comparing Alfa Insurance Quotes

Naturally, you’re going to want to compare quotes with various other companies before you decide whether to do business with Alfa. Your personal circumstances will have a pretty big influence on whether or not you get a premium rate from Alfa, or charged more:

Comparing Alfa Insurance QuotesLegend: Alfa Married HomeownerPoor CreditSingle RenterImperfect Record 1020304050$38$54$40$47

Married Homeowner
Poor Credit
Single Renter
Imperfect Record






From the data presented in the chart above, it looks as though a middle-aged, married homeowner can save the most with Alfa. Your rates won’t go too far up if you happen to have a few tickets in your recent driving history, or if you are single and renting your own apartment. However, having a poor credit score may raise your rates significantly.

Pros and Cons of Alfa Insurance

Pros Cons
Good ratings on their financial strength, and a lower than average complaint index Some customers complain of delays in and poor investigations during the claims resolution process
Strong coverage in Mississippi, Alabama, and Georgia Coverage may be less available or less reliable in Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky
Low rates for good drivers with a high credit score Drivers with bad credit or a blemished driving history will likely be charged more

Overall, it looks like Alfa is a fairly strong and well-respected company in many states across the South and in parts of the Midwest. However, Alfa coverage is not available in all areas. Also, it seems as though their small-town, personal approach to doing business may lead to delays if you ever need to file a claim. But the best way to know whether or not an Alfa auto insurance policy is right for you is to compare quotes from them and several other companies online.

Corporate Headquarters
P.O. Box 11000
Montgomery, AL 36191-0001
Phone: 334-288-3900
Fax: 334-613-4427

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption