Alfa insurance review 2024

Alfa car insurance is available to drivers in Alabama, Georgia and Mississippi. The company earned a Bankrate Score for auto insurance of 4.2 out of 5. In addition, it was recently awarded the top spot in J.D. Power's 2024 U.S. Auto Insurance Study for the Southeast region. This ranking is based on the quality of a company's customer support and suggests that Alfa places a high value on its relationships with policyholders.

Alfa offers standard car insurance policies along with a small list of endorsements that allow you to customize your coverage, including accidental death and dismemberment and accident forgiveness (in Alabama and Mississippi). Alfa has a generous handful of discounts available that could have a significant impact on your premium. These include a defensive driver discount and discounts for members of the military and (in Alabama and Mississippi) for educators, farmers, ministers and first responders.

Pros and cons of Alfa car insurance

When comparing car insurance providers to find the best company for you, it may be helpful to weigh the pros and cons of each company. Here are some of the biggest pros and cons we identified while analyzing Alfa’s auto insurance offerings:

Alfa home insurance earned a Bankrate Score of 4.0, which places it above average. The company offers standard coverage options for homes, farms, churches and manufactured homes, with renters insurance also available. There are a handful of optional endorsements, including one that covers the repair or replacement of home systems, such as electrical or plumbing, and a home sharing endorsement if you use your property for short-term rentals.

Although Alfa's average rates are above the national average, the company offers several discounts that could save you a significant amount of money off your premium. You could be eligible for savings if you bundle your homeowners and auto insurance, for example, and there is a legacy discount for the children of Alfa policyholders. A discount that may be of interest to those in coastal areas is one for Alabama and Mississippi residents who fortify their homes against hurricanes and windstorms.

Pros and cons of Alfa homeowners insurance

Below, you can see some of the most notable advantages and drawbacks of Alfa’s home insurance offerings:

If you live in its service area and are in the market for life insurance, Alfa may be worth considering. It offers both term and permanent policy types, including no-medical-exam policies, a 30-year term option with return of premium and a final expenses plan to help cover funeral or medical costs.

Other unusual offerings include a policy called First Step Life that is designed for children aged 0 to 14 and does not require a medical exam, as well as a flexible universal life policy with variable premiums and a death benefit of $25,000 or over. Further, the company’s rapid issue term policy offers an easy application process and can be converted to permanent if you wish.

Whether or not Alfa is one of the best life insurance companies in the region for your needs, the company makes it easy to ask for quotes. Online quotes are available for term policies, while you will need to call a customer representative for a quote for permanent types of life insurance. The cost of your policy will depend on multiple factors, including your age, your health and the amount of coverage you purchase.

Alfa has a limited service area of just three states, so you’ll need to look elsewhere if you don’t live in Alabama, Georgia or Mississippi. Even if you do, it’s worth comparing multiple options to look for the best deal. If you’re looking for an insurance policy, consider these alternatives.

If you live in Alabama, Georgia or Mississippi, you may find that Alfa is a good insurance company with something to offer you. The company has solid choices for auto, home and life policies, with the opportunity to customize your insurance by adding endorsements, plus a robust list of discount opportunities.

As a regional carrier, Alfa is likely to have an excellent understanding of the needs of residents in the Southern states it serves. As an example, it offers a home discount to some residents who have weatherproofed their homes against hurricanes and windstorms.

Alfa doesn't offer all the digital tools and capabilities that some other insurers do, but it is worth considering if you prefer to handle your insurance business with a live agent rather than online.

What are real-life customers saying about Alfa?

To offer a clearer understanding of Alfa's customer experience, we’ve collected Alfa insurance reviews from actual customers who posted on Reddit and Yelp. These platforms feature candid insight and personal stories. Through this commentary, potential customers can better gauge what to anticipate from Alfa.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Alfa company details

Alfa's website allows you to initiate a live online chat, although it is not available 24/7. You can also submit a question or comment via the website. In addition, you can use the following methods to connect with the company: 

• Customer service and claims: 1-800-964-2532
• Live chat: Select your state to access live chat
• Mailing address: P.O. Box 11000, Montgomery, AL 36191-0001

State availability

Alfa offers insurance only in Alabama, Georgia and Mississippi.

Alfa tools and benefits

Alfa offers a variety of tools that its customers can use to make buying insurance easier, as well as some perks and additional coverage options.

Some of these benefits include:

• Mobile app: Alfa’s highly rated mobile app allows customers to virtually view policy information, file claims, connect with an agent and pay their bill.
• Personal umbrella insurance: This coverage option may help protect you against the financial burden of a lawsuit by adding additional liability protection to back up your homeowners and auto insurance policies.
• Farm insurance: Alfa offers property, liability and optional coverage types for farmers in eligible states.
• Farmer discounts: Alabama residents who become members of the Alabama Farmers Federation may get a discount on policies.
• Church insurance: This policy is designed to cover your place of worship.
• Watercraft insurance: This coverage pays out for covered losses to your recreational watercraft and is written on an actual cash value basis.
• Educational materials: You can read Alfa’s home insurance blog to learn how to protect your home from various risks.

Frequently asked questions about Alfa

Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.