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finder.com's rating: 3 / 5
★★★★★
optional
Roadside assistance
New car protection
Accident forgiveness
States served | Alabama, Arkansas, Georgia, Indiana, Kentucky, Mississippi, Missouri, North Carolina, Ohio, Tennessee, Texas, Virginia |
---|---|
Roadside assistance | Optional |
Accident forgiveness | No |
New car protection | No |
Pay schedule | 12 months, 6 months |
Claims methods | online, phone |
Rideshare coverage | No |
SR-22 support |
No |
Anti-theft device discount | Yes |
---|---|
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | Yes |
Loyalty discount | No |
Homeowner discount | No |
Military discount | No |
Safety device discount | Yes, up to 25% |
Special employment discount | No |
Usage-based discount | No |
Review by
Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
Alfa’s been around in some form for over 70 years, leaving your policy backed with decades of insurance experience. Today, it’s a small insurer offering broad auto coverage in its three core states of Alabama, Georgia and Mississippi.
If you have a clean record and a home in one of these states, you could get personalized coverage through hometown agents. However, compare Alfa’s rates against other car insurance providers if you’re not part of the Alabama Farmers Federation.
Alfa is part of the Alabama Farmers Federation, the state’s largest organization representing the agricultural industry. At one time, its insurance policies were available to Alfa members. But it’s since extended Alfa’s auto insurance to a wider audience.
Alfa insurance policies are primarily available to residents of Alabama, Georgia and Mississippi. But it’s perhaps best for members of the Alabama Farmers Federation, who get discounts beyond those available to everyone.
To become a member of AFF, check the requirements and apply on its website, including paying the application fee. There are options to become a farmer and non-farmer member.
Founded in 1946 as an outgrowth of the Alabama Farmers Federation, Alfa extended to Georgia and Mississippi, offering limited coverage in eight other states.
With a history in fire insurance, Alfa now covers all the basics through home, life and auto insurance to its loyal customers. As a hometown company with a long history, Alfa has slightly higher costs but claims to focus on downhome protection through a team of local agents.
In addition to standard coverage, Alfa’s comprehensive and collision protection pays up to $200 for clothing or luggage loss and even covers an additional bed for a family member if you need to stay overnight in the hospital. Alfa also pays $50 a day for loss of wages if an Alfa rep asks you to attend a trial after an accident.
Alfa’s auto insurance may not be your cheapest option. But its customers seem willing to pay extra for stronger coverage and local support.
You can get a free quote online through Alfa’s Find an Agent tool. But the tool doesn’t support all ZIP codes. If yours isn’t included, you may be directed to contact a hometown agent in your area for your quote.
Alfa offers several discounts for driving a safe car, including bundled savings when you insure your car and home or life insurance together with Alfa.
But to qualify for young driver, student and some defensive driving discounts, you’ll need to meet certain age requirements.
Known for working with farmers, Alfa extends benefits to members of the Alabama Farmers Federation. Members receive a $500 rebate for buying a Ford and phone service discounts if they sign up with T-Mobile.
Most notably, members receive group rates for health and dental insurance — a flat rate offered to everybody — as well as discounts on home, life and auto insurance.
Depending on your needs, you could quickly make up for the $30 membership dues in discounts and benefits alone. Learn more at the Alabama Farmers Federation site.
In addition to your car or truck, Alfa will also insure specialty vehicles.
Alfa only serves drivers in select states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.
Alfa doesn’t offer any information about any major exclusions or coverage maximums, so you’ll have to check with your local agent if you have any questions about what’s not covered.
Because Alfa’s auto policies are offered through a series of independent insurance agents, it’s not easy to find customer reviews about the company generally, but it has received A- rating from BBB and A from AM Best, as of October 2020.
Online customer reviews are mixed, which is typical for insurance providers. Most negative reviews are due to a slow claims process, spotty customer service and increasing rates, even for clean driving records.
While these reviews are discouraging, they’re only a handful of Alfa customers who had bad enough experiences for them to leave reviews.
Alfa accepts applications by phone or through a local agent only. To apply or find an agent near you:
The information you’ll need to apply for car insurance may vary based on the local provider you choose. Generally speaking, have the following information on hand:
Like most insurance companies, you can start the claims process online, through an app or by calling a dedicated claims line.
After you start your claim, Alfa assigns an adjuster to your case. Your adjuster will contact you shortly to walk you through the steps of completing your claim.
Your options for speaking with customer support depend on the state you live in, which can be frustrating when you need help right away.
Get started online at Alfa’s Contact Us page. Select your state to see phone, email, live chat and agent options for support.
Yes. Alfa is a full-service insurance company offering policies beyond auto coverage:
Alfa’s services are limited to a handful of states in the South and Midwest. You might need to look elsewhere if you live outside its network of independent agents.
You might find comparative rates and services with bigger companies like Progressive, State Farm, Esurance or Liberty Mutual.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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