AAA vs. ALFA Insurance

Which insurance provider is right for you? Compare premiums, savings and quotes from AAA and ALFA.

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AAA vs. Alfa: What You Need to Know

On March 4, 1902, nine automobile clubs formed the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverages to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Auto Club Overview and ALFA Overview.

Auto Club Group vs. ALFA: How much are the Average Rates?

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Auto Club Group vs. ALFA: Rates by Number of Vehicle

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Auto Club Group vs. ALFA: Rates by Homeownership

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What Are AAA and ALFA Insurance's Ratings?

When looking for a new carrier, it is ideal to choose an insurance company that has received a top rating from at least one of the top five independent agencies A.M. Best, Fitch, Kroll Bond Rating Agency (KBRA), Moody’s, or Standard & Poor’s. Both Auto Club (AAA) and ALFA insurance have Excellent financial strength from independent agencies. Start comparing insurance providers that fits your criteria and get the right coverage that will financially benefit you.

Year Founded19021946
Market Share0.12%
Financial StrengthExcellentExcellent
S&P RatingA+
NAIC Complaint Ratio0.530.82

AAA or ALFA: Insurance Products Offered

Most standard coverages are the same with both carriers, though ALFA has Health, Dental, Farm insurance coverage, whereas AAA does not. On the other hand, AAA offers other vehicle coverage like Collector Car Insurance and Mexico Auto Insurance, which is not available with ALFA. Get the right coverage that protects you and your property.

Auto Insurance
Boat & Watercraft
Business Coverage
Business Insurance
Church Insurance
Collector Car Insurance
Dental Insurance
Farm Coverage
Farm Insurance
Flexible Universal Life
Flood Insurance
Health Insurance
Home Insurance
Life Insurance
Manufactured Home Insurance
Mexico Auto Insurance
Permanent Life Insurance
Personal Umbrella
Renters Insurance
Small Business
Term Life Insurance
Travel Insurance

AAA or ALFA: Ways to Save

Find an insurance company that offers great discounts to policyholders. For teens and younger drivers, look for a Good Student Discount which is offered for young drivers who earn good grades in school. Combine your policies and vehicles for savings. Add that to driver discounts for a reduction in monthly premiums. Take advantage of discounts offered by top insurance providers like AAA insurance and ALFA. 

Good Driver DiscountAirbags Discount
Good Student DiscountBurglar Alarm Discount
Loyalty DiscountClaims-free Discount
Multi-policy DiscountDefensive Driver Discount
Multi-vehicle DiscountDriver Education
Verified Mileage DiscountDriver Training Discounts
Good Student Discount
Home and Auto Bundle Discount
Homeowner Discount
Multi-car Discount
Multi-policy Discount
Smoke Alarm Discount
Teacher Discount
Youth Defensive Driver Test
Youth Safety Test

Pros & Cons of AAA & ALFA


  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.
  • Very low customer complaints.
  • Excellent financial strength means reliability in getting claims paid.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.


  • The annual fee for membership.
  • Membership required to buy car insurance.
  • Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.

AAA or ALFA Mobile Apps Options

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).

AAA Mobile App
iOS     4.66.4K user reviews
Android     4.34,061 user reviews
Alfa Mobile App
iOS     4.71.9 user reviews
Android     3.7251 user reviews

AAA & ALFA Contact Info

AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
ALFA Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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