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Alfa Car Insurance Review

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Introduction 

Alfa Insurance company focuses on multiple policy categories including home, farmers, auto, life, and dental insurance. It was started to provide insurance to farmers and later expanded its policy categories and services mainly to Alabama, Mississippi, and Georgia. They have a few of their products marketed in other southern states as well.

How much does car insurance from Alfa cost? Does it offer good coverage options? Does having multiple policies give you better discounts? Read about Alfa car insurance, its coverage, and discounts they offer for car owners.

Pros and Cons

Pros Cons
Wider product range including auto, property, and other insurance such as life insurance Limited availability to only 3 states
Wide range of discounts Limited coverage options
Options to bundle your policies Gap insurance and new car replacement is not available
Availability of mobile application
Digital claim reporting
Lesser complaint index

Unique Alfa Insurance Features

These are some of the unique features offered by the company.

Unique Features What does it do?
Paperless option Offers 2 paperless options to manage your policies clutter-free. This gives you secure access to your documents throughout.
Alfa2Go Mobile App Anyone who signs up for paperless billing can avail themselves of the digital services offered through the app, from payment to the handling of the documents.
Bundling Policies Alfa allows bundling your car insurance with their home and life insurance policies. This will lead to better discounts.
Policyholder portal Customers can file claims online through the portal and track the status online

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Alfa Car Insurance Coverages

Alfa auto insurance offers both personal and car insurance coverage. It offers typical coverageoptions to its customers along with loss of use accidental death, and loss of sight coverage. Those who are looking for a new car replacement, gap insurance, ride-share coverage, or collision deductible waiver might be disappointed at the coverage options limited to the former.

These are the coverage options available through Alfa car insurance.

   ●   Liability Coverage

When you are involved in an at-fault accident, this will cover for the physical injuries and property damage. This will pay up to $50 for loss of wages if they are to attend a trial on request.  

   ●   Uninsured or Underinsured Motorist coverage 

This coverage is functional when the uninsured or underinsured motorist is at fault and your policy features this coverage. This covers the bodily and property injury damage caused by an uninsured motorist to a pedestrian or a driver who has it covered through this.  

   ●   Medical Payment Coverage

The medical expenses that result. Apart from the medical expenses that arise, it also covers the funeral expenses up to $2500.  

   ●   Loss of Income Coverage

If you are unable to attend work due to an injury, the loss of income coverage will pay up to $750 per month for a year.  

   ●   Accidental Death and Dismemberment & Loss of Sight 

This is an optional coverage provided by Alfa, in case you suffer death, loss of sight, or body parts in an accident. The amount paid will depend on the severity of the injuries. 

   ●   Comprehensive Coverage

Insurance covers damage caused by fire, weather, vandalism, or even theft. It also provides limited coverage for non-owned, rental cars and up to $200 for loss of clothing and luggage. 

   ●   Collision Coverage

It covers the loss of or damage to your car in a collision. This also provides limited coverage to a non-owned car. An allowance of up to $200 for loss of clothing and luggage.  

   ●   Loss of Use Coverage

This is a vehicle insurance coverage that eases the conveyance while your car is under repair. Different increment limits are available under this coverage, helping you to pick the best according to your transportation needs.

  

Alfa Extra Car Coverages

   ●   Accident Waiver

This optional coverage is limited to residents of Alabama and Mississippi. Those with not more than one accident on their driving record are eligible for this waiver. This will help you avoid an increase in insurance rate after your first at-fault accident.  

   ●   Roadside Assistance

Alfa provides 24-hour roadside assistance with emergency coverage services like towing, tire changes, gas or battery replacement.

How much does Alfa Insurance cost?

Alfa car insurance might not be cheap but is an affordable option with a wide range of bundling options, paving the way to discounts that make it customer friendly. While the minimum coverage at Alfa insurance is $676, the annual rate for full coverage is $2091.

Average Annual Premium by State

Since the insurance rates vary with respect to state, the average rates in the 3 states where Alfa car insurance is functional also vary. Here are the state-wise average insurance premium rates.

State Monthly Premium Annual Premium
Alabama $147 $1763
Mississippi $130 $1559
Georgia $159 $1907

Average Annual Premium based on Driving History

Driving Record Annual Full Premium Coverage
Clean Driving History $2091
Speeding Ticket $2259
At-fault Accident $2436
After adding a 16-year-old driver $3422

Alfa Auto Insurance Discounts

Alfa insurance offers driver-based, policy-based, and bundling discounts. The availability of discounts makes the rates affordable and bundling them makes it convenient to manage the policies. 

Driver Based Discounts

Those who complete defensive driving courses and young drivers who complete driving education courses are given discounts on their insurance rates.

A youth-owner discount is given to students who score 3.0 GPA or higher.

Another discount is given to students between the ages of 16 and 20 who pass Youth Defensive Driver or Youth Safety tests in the respective states.

Safety Feature Discounts

If your car is equipped with airbags, then you are eligible for a discount of 25% on the medical payment coverage. Similarly, if it has an anti-theft device then you receive a 10% discount on the comprehensive coverage.

Bundling Discounts

The more policies you have with Alfa the more discounts on offer. Multi-car discount is available to those who insure 2 or more private cars with Alfa. Bundling life insurance with auto insurance, or those who qualify, a personal, commercial, or farm umbrella policy also receive discounts.

Policy-Based Discounts

Similar to multi-car discounts, those who own a home automatically receive a discount. In Alabama and Mississippi, Alfa also offers an occupational based discount to teachers, farmers, and military servants.

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Alfa Customer Feedback

The services provided by Alfa insurance are focused on 3 southern states. It may not be the cheapest in the market but is affordable and offers multiple discounts on its policies. Though customer satisfaction is based on independent agents, Alfa has a fairly lesser complaint index, in claim handling and payouts.

Way.com Summary

Since Alfa car insurance offers driver-based and features-based discounts making it an affordable choice in the southern states of Alabama, Mississippi, and Georgia. The less complaint index Alfa constantly maintains makes them approachable as well. They have also digitally streamlined the process through their app, making the whole process paperless.

The unavailability of elaborate coverage options and their operations in car insurance limited to 3 states is a major downside.

About Alfa Auto Insurance

Started in 1946 as an outgrowth of the Alabama Farmers Federation, Alfa Insurance company provided quality fire insurance to federation members, who were primarily farmers. Currently headquartered in Montgomery, Alabama, provides home, life, car, and property insurance at affordable rates.

Both their property and casualty insurance companies and our life insurance company are rated A (Excellent) by the A.M. Best Company, the foremost authority on insurance companies' financial stability.

Contact Details

Type of Contact Contact
Mailing Address 2108 E South Blvd
Montgomery, Alabama, US
Customer Service 1-800-964-2532
Claims Support 1-877-584-7466

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Is Alfa car insurance good?

Alfa has been rated A (Excellent) by AM Best Company. It offers discounts and different categories of policies.

Is Alfa Insurance expensive?

Alfa car insurance is around 3% higher than the national average. While the minimum coverage at Alfa insurance is $676, the annual rate for full coverage is $2091.

Does Alfa Insurance have a grace period?

Yes, a 60-day extended grace period is available for Alfa automobile, homeowner, and other property policies, as well as Alabama farm policies.

How do I cancel my Alfa Insurance?

A policy from Alfa insurance can be cancelled by contacting a local agent on 1-800-964-2532. One can also log in to their Alfa account and request a change in policy.

Is Alfa insurance in Florida?

No, it is unavailable in Florida. Alfa does its core operations in 3 states namely Alabama, Mississippi, and Georgia. It has its additional services marketed in Arkansas, Indiana, Kentucky, Ohio, South Carolina, Tennessee, Texas, and Virginia. 

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