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).
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
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.
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 $103 for liability coverage and $182 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.
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:
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:
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.
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.
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.
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
Airbag (up to 25%)
Anti-theft (up to 10%)
Homeownership
Good student
Educator
First responder
Minister
Farmer
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.
Alfa Insurance vs. Anchor
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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
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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.
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.
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