Which insurance provider is right for you? Compare premiums, savings and quotes from AAA and ALFA.
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.
Below is a list of the average rates that drivers typically pay with Auto Club Group and ALFA. On average, Auto Club Group charges approximately $242.43 per month while ALFA comes in at around $183.32 per month. For Auto Club Group, the cheapest state average is Wisconsin at $170.08 per month and the most expensive is Nebraska at $318.77 per month. For ALFA, the cheapest state average is Virginia at $131.25 per month and the most expensive is Alabama at $373.02 per month.
|State||Auto Club Group||ALFA|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto Club Group and ALFA typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Auto Club Group||ALFA|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto Club Group charges $253.75 per month and ALFA charges $198.07 per month for customers who own their home.
|Own/Rent||Auto Club Group||ALFA|
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.
|NAIC Complaint Ratio||0.53||0.82|
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.
|Boat & Watercraft||✔||✔|
|Collector Car Insurance||✔|
|Flexible Universal Life||✔|
|Manufactured Home Insurance||✔|
|Mexico Auto Insurance||✔|
|Permanent Life Insurance||✔|
|Term Life Insurance||✔|
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 Discount||Airbags Discount|
|Good Student Discount||Burglar Alarm Discount|
|Loyalty Discount||Claims-free Discount|
|Multi-policy Discount||Defensive Driver Discount|
|Multi-vehicle Discount||Driver Education|
|Verified Mileage Discount||Driver Training Discounts|
|Good Student Discount|
|Home and Auto Bundle Discount|
|Smoke Alarm Discount|
|Youth Defensive Driver Test|
|Youth Safety Test|
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||4.6||6.4K user reviews|
|Android||4.3||4,061 user reviews|
|Alfa Mobile App|
|iOS||4.7||1.9 user reviews|
|Android||3.7||251 user reviews|
|AAA Contact Info|
|Address||1225 Freeport Pkwy, Coppell, TX 75019, US|
|ALFA Contact Info|
|Address||P.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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