Alfa Insurance Review
- With 3.9/5 stars in 2023, Alfa is a good insurance company.
- Read Alfa reviews, complaints and prices before you buy.
Alfa insurance: Ratings and reviews
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.
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.Â
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Strong financial reputation
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Favorable customer service reports
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Extensive list of discount opportunities
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Not every insurance product is available in every state
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Pricier than average
Is Alfa a good insurance company?
The majority of The Zebra's review incorporates how well Alfa scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Customer Satisfaction: Above average
- J.D. Power rated Alfa as Above average in overall auto customer satisfaction[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Alfa[2]
Financial Strength: Excellent/Good
- Alfa received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Alfa scored 8.65/10 overall. Below you can see where Progressive ranked for some of the individual categories.
In the category of trust, Alfa scored 8.73/10, putting it in 4th place.
Alfa earned a 8.88/10 in claims satisfaction, putting it in 5th place.
With a score of 8.71/10, Alfa earned placed 5th in the willingness to recommend category.
How much does Alfa insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Alfa is about $1254Â or roughly 43%Â more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available.
| Company | Avg. Monthly Premium |
|---|---|
| ALFA | $209 |
| Allstate | $201 |
| Progressive | $157 |
| State Farm | $131 |
| GEICO | $129 |
| USAA | $114 |
Similar to any insurance company, pricing for Alfa auto insurance does vary based on your age and generally will get cheaper the older you get. The table below shows Alfa's car insurance premiums for different age brackets.Â
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $598 |
| 20s | $269 |
| 30s | $202 |
| 40s | $184 |
| 60s | $180 |
| 50s | $167 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Discounts offered
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:
- Airbags: Vehicles with airbags are eligible for a discount of 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.Â
- Defensive driver:Â 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 receive 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.Â
See a full list of Alfa's discounts — including each occupation-based discount — here.
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What types of coverage does Alfa offer?
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.Â
- Accident waiver: Residents of Alabama and Mississippi can add this endorsement to avoid a rate increase after their first at-fault accident as an Alfa policyholder.Â
- Roadside assistance:Â 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.
Read more about Alfa's coverage options here.
Alfa2Go® 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
- Pay by text
Alfa insurance review: Summary
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, drivers and homeowners are likely to find a policy with proper coverage. 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.Â
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Alfa insurance: Frequently asked questions
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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 editorial 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.