Alfa’s auto insurance package is fairly standard, so you can get all the necessary protection for your vehicle. However, according to their website, there are few available endorsements. Still, with a standard coverage suite and positive financial strength and customer service ratings, Alfa is a solid choice for drivers in covered states.
Alfa Insurance Review
Alfa Insurance earned an overall score of 3.75/5 in The Zebra's review. Read more below to find out if they're the right carrier for you.
Edited By Ross Martin
Alfa insurance at a glance
Alfa Insurance, headquartered in the city of Montgomery, Alabama, was founded in 1946. Initially formed to provide quality fire insurance, Alfa’s primary members were farmers. Over time, Alfa has expanded its services to include auto insurance, life insurance, property insurance and more to residents of 11 states.
| Pros | Cons: |
|---|---|
| Strong financial reputation | Not every insurance product is available in every state |
| Favorable customer service reports | |
| Extensive list of discount opportunities |
Alfa car insurance review
- JD Power— Not rated.
- Financial Strength— Excellent: Alfa insurance was given an A from AM Best, indicating a strong ability to pay out claims.
- NAIC Rating— Excellent: An NAIC complaint rating refers to the total number of consumer complaints received. Alfa receives far less complaints than average.
Where is Alfa auto insurance available?
| Insurance company | Available states |
|---|---|
| Alfa Insurance | AL, MS, GA |
Alfa car insurance coverage options
Alfa’s auto insurance package is standard, offering coverage options included in a regular auto policy. With Alfa auto insurance, you’ll be protected with liability coverage, medical payments, comprehensive and collision coverage, and loss of use. Alfa also offers uninsured/underinsured motorist coverage along with a few other optional protections:
Loss of income
If a car accident results in an injury and renders you unable to do your job, loss of income coverage pays 85% of your monthly income up to $750 per month and up to one year after the date of the accident. This applies to you, your spouse, family member or anyone else occupying the vehicle.
Accidental death and dismemberment & loss of sight
This optional coverage pays out if you suffer death, dismemberment, or loss of sight as a result of a car accident or if you are struck by a vehicle. The severity of the injuries dictates the amount paid.
Roadside assistance
24-hour roadside assistance services are available from Alfa. This option includes towing, mechanical issues, delivery of gas or oil, battery jumps, and flat tire changes. Policy limits are $100 per disablement.
Alfa car insurance discounts
When searching for a new auto insurance policy, always evaluate what an insurance company has to offer in terms of discounts and look into which ones you can qualify for. Alfa Insurance offers a variety of discounts and money-saving programs that can help alleviate the cost of your monthly premium.
Discounts based on your vehicle:
- Air bags: Vehicles with air bags are eligible for a discount up to 25% on the medical payments portion of your premium.
- Anti-theft devices: Vehicles with qualifying anti-theft systems can receive up to 10% off insurance premiums.
Discounts based on the driver:
- Defensive driver: Eligibility varies by state, but Alfa offers discounts to drivers who have taken a defensive driving course or qualified Motor Vehicle Accident Prevention course.
- Youth honor student: Full time students with a GPA of 3.0 or higher may recieve this discount.
- Driver training: Drivers aged 16 to 20 years old receive this discount upon successful completion of an accepted driver education course.
- Youth defensive driving/safety discount: Qualifying, unmarried drivers ages 16 to 20 are eligible for this discount if they complete the Youth Defensive Driver or Youth Safety test. This discount is not given in conjunction with any other driver training discounts.
Discounts based on occupation:
- Educators: Available in Alabama and Mississippi, you must be a full-time teacher or professor employed by a public, private or vocational school, college or university to qualify for this discount.
- Military and first responders: Active military personnel, firefighters, members of law enforcement and first responders can get this discount in Alabama or Mississippi.
- State or federal employees: Discount available to currently employed members of the state or federal government in Alabama and Mississippi.
- Auto manufacturer employees: Currently employed auto manufacturers in Alabama qualify for this discount.
- Ministers: full-time ministers or ministers of music with no other occupation will be given a discount on the vehicle they use in their ministry. Alabama and Mississippi only.
- Farmers: Farmers who live on a farm, regularly employed by only one farm business, with the vehicle garaged on the farm and who derive income from the farm operation can use this discount in Alabama and Mississippi.
Alfa Mobile app
The Alfa2Go® mobile app allows policyholders to access all insurance needs from their smartphones. With the app, you can:
- Save ID cards
- View policy details
- See billing info and pay your premium
- File a claim and submit photos
- Contact your insurance agent
- Sign up for auto pay
- Go paperless
Protect your car with the right coverage at the best value.
Alfa insurance bundling options
| Auto | Property | Other |
|---|---|---|
| Auto insurance | Homeowners insurance | Life insurance |
| Business insurance | Renters insurance | Business insurance |
| Condo insurance | Dental insurance | |
| Farm insurance | Umbrella insurance | |
| Church insurance | Health insurance |
Alfa homeowners insurance review
The Alfa homeowners insurance package includes all the standard coverage provided by a home insurance policy: liability and property damage due to fire, theft and other perils is offered for your home and other structures on your property. Your personal property is also protected with homeowners insurance, as well as medical payments coverage if someone gets injured on your property.
- JD Power— Not rated.
- Financial Strength— Excellent: Alfa insurance was given an A from AM Best, indicating a strong ability to pay out claims.
- NAIC rating— Excellent: According to the NAIC, Alfa homeowners insurance customers are satisfied with this carrier, with the number of complaints coming in well below average.
Homeowners insurance coverage options
In addition to Alfa’s standard homeowners insurance plan that includes personal liability, medical payments, property damage and loss of use, this carrier also provides a list of endorsements you may wish to add on to your policy.
Replacement cost coverage for contents
While regular plans replace lost items on an actual cash value basis (taking depreciation into consideration), this endorsement will replace your belongings for what they originally cost.
Specific insurance for valuables
This endorsement is scheduled personal property, where you can add coverage for specific high-vlaue items you own.
Increased liability limits
If you wish to increase your limits of liability, you may add on this coverage.
Additional premises liability limits
Similar to increased liability limits, this endorsement allows you to raise the limits of liability for incidents on your premises.
Home systems protection
Additional coverage for the repair or replacement of important systems in your home if damaged due to a mechanical or electrical failure.
Alfa home insurance discounts
- Safety materials discount: If your home is equipped with burglar alarms, fire/smoke alarms, deadbolt locks and/or fire extinguishers, you qualify for this discount.
- Claims free discount: a claims-free record is rewarded with a discount from Alfa.
- Multi-policy: if you insure your car with Alfa as well, you can qualify for the bundling discount.
- High deductible discount: Alfa customers who choose higher deductibles can lower their premiums with this discount.
- Weather-resistant construction discount: In Alabama and Mississippi, homes fortified to withstand windstorms, hurricanes and other catastrophic weather events are eligible for a discount.
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Other insurance products from Alfa
Life insurance
One of Alfa’s premiere insurance products is their life insurance line. Applicants can choose from a term life policy or opt for a permanent solution. Alfa term life insurance quotes are available online, but you’ll have to call in to customer service to obtain a whole life policy.
| Type | Coverage length | Ages | Death benefit amount | Medical exam required? | Considerations |
|---|---|---|---|---|---|
| Level Term | 10, 15, 20, 25 & 30 years | 0-70 | $80,000+ | Yes | The most affordable option, offers large amounts of coverage for low rates. |
| 30-year return of premium | 30 years | 6-50 | $50,000+ | Yes | Best for those who think they will outlive their policy. Gives base premiums and fees back to you at the end of the term. |
| Rapid Issue Term Life | 10, 20, & 30 years | 18-70 | $50,000-$75,000 | No | Simplified option with easy application. Allows for conversion to a permanent life insurance plan. |
| Type | Ages | Death benefit amount | Medical exam required? | Financial considerations | Best for |
|---|---|---|---|---|---|
| Whole life insurance | 0-80 | $15,000+ | Yes | Guaranteed cash value and premiums | Consistent coverage at static premiums. |
| Interest sensitive plan | 0-75 | $15,000+ | Yes | Interest-sensitive cash value, guaranteed premiums | Accumulating cash value that can be put towards premiums |
| Flexible universal life | 0-80 | $25,000+ | Yes | Interest-sensitive cash value, guaranteed premiums | Policyholders who may require flexible options in changing death benefit amounts and varying premiums. |
| Guaranteed acceptance life | 40-80 | $25,000+ | No | Limited cash value, guaranteed premiums | Covering end-of-life costs for older policyholders regardless of health status. |
| Final expenses plan | 15-80 | $5,000-$15,000 | No | Limited cash value, guaranteed premiums | Covering end-of-life costs. |
| First step life | 0-14 | $15,000 | No | -- | Covering expenses for major life steps for children under 14. |
How to cancel an Alfa insurance policy
If you wish to cancel your Alfa insurance policy, you may do so by contacting your local Alfa agent by calling 1-800-964-2532 and selecting prompt 3. You can also log on to your MyAlfa account online and click request a change, as long as your online account is registered.
Is Alfa insurance right for you?
For residents of covered states, Alfa insurance is a solid choice for your next insurance provider. With a broad list of discounts and special discounts for certain occupations, coupled with Alfa’s affordable premiums, drivers and homeowners are likely to find a low-rate policy with proper coverage. Though The Zebra has not ascertained exact rates, Alfa boasts low premiums and other reviews have supported this. Auto insurance coverage leaves something to be desired for applicants who wish to add on to their coverage, but those looking for a simple protection plan with favorable customer service reviews will be satisfied with Alfa.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.