Alfa insurance review 2025

Alfa car insurance cost

The average full coverage auto policy with Alfa costs $2,864 per year based on rates provided by Quadrant Information Services. The average minimum coverage policy costs $476 per year. Comparatively, the national average cost of car insurance is $2,685 per year for full coverage and $800 per year for minimum coverage.

Keep in mind that these are averages. Factors like ZIP code, vehicle type, claims history and more contribute to a driver’s car insurance premium, so your individual rate may vary.

How much is Alfa car insurance?

The chart below shows Alfa's average rates for drivers in a range of situations. Note that some insurers will not write policies for drivers with a DUI conviction, since they are considered high-risk. If you have marks on your driving record, reach out to an agent to learn more.

Alfa car insurance quotes by age

Car insurance rates may vary based on age. In most cases, young drivers pay the highest rates for car insurance due to their lack of experience on the road. If you are a parent and add a teen driver to your policy, your rates will likely increase. In the table below, you can see Alfa’s average rates for drivers in various age groups. These quotes are for a driver with a clean driving history. Drivers with infractions on their record are likely to pay higher rates.

Compare Alfa car insurance rates

Since every company weighs the factors that determine premiums differently, you are likely to receive different quotes from different carriers. The table below shows average rates for full and minimum coverage from some of the largest insurers writing policies in Alabama, Georgia and Mississippi.

Alfa customer satisfaction

Researching third-party ratings for customer satisfaction, claims satisfaction and company complaints may help you choose the best insurance company for your needs. Some of the most reputable organizations that rate insurance companies are J.D. Power and the National Association of Insurance Commissioners (NAIC).

J.D. Power did not rate Alfa in its 2023 U.S. Auto Claims Satisfaction Study or 2024 U.S. Insurance Digital Experience Study — perhaps since its coverage is offered in such a limited region. In its 2024 U.S. Auto Insurance Study, however, Alfa holds the top spot for the Southeast region, with 693 points out of 1,000. This translates into a high number of satisfied customers who have had good experiences when filing claims or connecting with the company for another reason. To get an even better idea about Alfa’s claims-handling abilities and online tool capabilities, it might be helpful to speak with current customers.

Alfa auto insurance customer complaints

Alfa car insurance discounts

Alfa offers a wide selection of car insurance discounts which may help you get a lower premium:

• Umbrella discount: Policyholders who also have a qualifying commercial, personal or farm umbrella policy could receive a discount on their auto insurance.
• Life insurance policy discount: Policyholders who also hold an Alfa life insurance policy may receive a discount on their auto insurance policy.
• Occupational discount: Alfa offers occupational discounts to qualifying educators, military and first responders, state or federal employees and auto manufacturers.
• Multi-car discount: Discounts may be available for policyholders who insure two or more private passenger vehicles on a single Alfa policy.
• Homeownership: If you own a home you can get a discount on your policy, even if you’re not getting home insurance from Alfa.
• Youth honor student: Full-time students with a GPA of 3.0 or higher can typically qualify for a lower insurance rate.

Alfa home insurance cost 

The average Alfa home insurance policy costs $3,241 per year for $300K in dwelling coverage, according to Bankrate’s research. Compared to the average cost of homeowners insurance in the U.S., which is $2,267 per year for $300K in dwelling coverage, Alfa customers pay an average of 43 percent more.

Compare Alfa homeowners insurance rates

The price of your homeowners insurance may depend on several factors, including the coverage types you choose, the age of your home and your credit-based insurance score. The average rates below may be helpful for comparison, but individual rates will likely vary.

Alfa customer satisfaction

Since it is a smaller company, Alfa isn't rated by some national organizations that monitor customer satisfaction. For example, it is not included in J.D. Power’s 2024 U.S. Property Claims Satisfaction Study. However, its NAIC ratings can give a sense of Alfa's customer relationships.

Alfa home insurance customer complaints

Alfa home insurance discounts

Alfa offers a few home insurance discounts that could help you get a lower premium. However, some discounts are only available in select states. Here are the home insurance discounts advertised by Alfa Insurance:

• Policy bundling: Alfa may provide a discount to customers who purchase home and auto insurance policies with the carrier.
• Legacy customer: If your parent has an Alfa insurance policy, you may qualify for a discount on a home or renters insurance policy.
• Safety equipment: If your home has safety features like burglar alarms, fire or smoke alarms or a deadbolt lock, you could qualify for savings.
• Hurricane resistant materials: Some customers in Alabama and Mississippi may qualify for a discount if their home is fortified against hurricanes.

Pros and cons of Alfa life insurance

Below, you can see some of the pros and cons we identified with Alfa life insurance:

Alfa life insurance riders

Life insurance riders are optional policies that allow you to personalize your coverage.  Alfa offers a selection of riders, including:

• Accidental death benefit: If you pass away and your death is caused by a qualifying accident, your beneficiary may receive a secondary death benefit.
• Child term: This rider provides life insurance coverage for each of your children until age 25. When the child turns 25, they have the option to convert the rider into an individual permanent policy with up to five times the rider coverage amount.
• Premium insurance: This rider prevents your child’s life insurance policy from getting canceled before the child turns 25 if you pass away or become disabled.
• Spouse level-term option: This rider provides level-term coverage for a spouse up to age 65. It can be converted to a permanent policy any time prior to the expiration of the rider.
• Waiver of premium: If you become totally disabled, you won’t have to pay your premiums for the duration of the disability.
• Flexible payment schedule: This allows you to pay your premiums on your preferred schedule. Options include monthly, quarterly, semi-annually or annually.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.