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ALFA vs. 21st Century Insurance
Which insurance provider is right for you? Compare discounts, prices, and quotes from ALFA and 21st Century.
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Alfa vs. 21st Century: What You Need to Know
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 to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. Alfa is still affiliated with Alabama Farmers. The company's vision for the future is to focus on technology to enhance productivity and better serve customers. Alfa also plans to invest heavily in product and geographic expansion.
21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. The company was located in a one-room office in Los Angeles, California in the beginning and relocated to Woodland Hills, California before moving to Wilmington Delaware, where 21st Century Insurance is now headquartered. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit the ALFA Overview and 21st Century Overview.
ALFA vs. 21st Century: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with ALFA and 21st Century. On average, ALFA charges approximately $155.65 per month while 21st Century comes in at around $152.95 per month. For ALFA, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For 21st Century, the cheapest state average is California at $153.00 per month and the most expensive is California at $153.00 per month.
Average Rate
Average Rate
Average Rate
| State | ALFA | 21st Century |
|---|---|---|
| California | - | $153.00 |
ALFA vs. 21st Century: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that ALFA and 21st Century typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | ALFA | 21st Century |
|---|---|---|
| 1 Vehicle | $ | $145.18 |
| 2 Vehicles | $ | $218.50 |
ALFA vs. 21st Century: Rates by Homeownership
What Are Alfa and 21st Century Insurance's Ratings?
Alfa and 21st Century Insurance were founded in the mid-1900s. Alfa Insurance makes a great effort to satisfy consumers with ease in filing claims and getting claims paid. 21st Century received an "A+" rating from Standard & Poor's (S&P). Both of their financial strength scores the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!
| Comparison | Alfa | 21st Century |
|---|---|---|
| Year Founded | 1946 | 1958 |
| Market Share | 0.12% | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| NAIC Complaint Index | 1.47 | |
| NAIC Complaint Ratio | 0.82 | |
| S&P Rating | A+ |
Alfa or 21st Century: Insurance Products Offered
There are some similar insurance coverages Alfa and 21st Century offer to consumers including Auto, Life, Manufactured/Mobile Home, and Flood insurance. Alfa Insurance offers extra products like Health or Business insurance. Get to know more about Alfa or 21st Century insurance options and save on insurance premiums.
| Insurance | Alfa | 21st Century |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Business Coverage | ✔ | |
| Business Insurance | ✔ | |
| Dental Insurance | ✔ | |
| Flood Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | |
| Personal Umbrella | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
Alfa or 21st Century: Ways to Save
21st Century and Alfa Insurance have a variety of insurance coverage. They recognize good drivers and offer some cost-savings to policyholders, like the Defensive Driver Discounts or Good Student Discounts. 21st Century and Alfa Insurance have discounts that could save you hundreds on monthly insurance costs. Learn more about the savings they offer and see the difference. Lower your insurance premiums today!
| Alfa | 21st Century |
|---|---|
| Airbags Discount | Mature Driver Discount |
| Burglar Alarm Discount | Multi-Car Discount |
| Claims-free Discount | Paperless & Autopay Discount |
| Defensive Driver Discount | Safe Driver Discount |
| Driver Education | |
| Driver 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 Alfa & 21st Century
Pros
Alfa
- 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.
21st Century
- 21st Century offers affordable rates to good drivers in California and a few other states.
- 21st Century is a financially strong company.
- 21st Century offers many lines of insurance and multi-policy discounts.
Cons
Alfa
- 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.
21st Century
- 21st Century mainly does business in California.
Alfa or 21st Century Mobile Apps Options
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).
The 21st Century Mobile app is available for iOS and Android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.
| Alfa Mobile App | ||
|---|---|---|
| iOS | 4.7 | 1.9 user reviews |
| Android | 3.7 | 251 user reviews |
| 21st Century Mobile App | ||
|---|---|---|
| iOS | 1.9 | 5 user reviews |
| Android | 3.2 | 934 user reviews |
Alfa & 21st Century Contact Info
| Alfa Contact Info | |
|---|---|
| Address | P.O. Box 11000, Montgomery, AL 36191-0001 |
| Phone | 1-800-964-2532 |
| Website | https://www.alfainsurance.com/ |
| https://www.facebook.com/AlfaInsurance | |
| Youtube | https://www.youtube.com/user/AlfaInsurance |
| https://twitter.com/Alfa_Insurance | |
| 21st Century Contact Info | |
|---|---|
| Address | 3 Beaver Valley Road, Wilmington, DE 19803 |
| Phone | 1-877-401-8181 |
| Website | https://www.21st.com/ |
| https://www.facebook.com/21stcenturyinsurance/ | |
| https://twitter.com/21stCenturyAuto | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/21st-century-insurance/about/ | |
Methodology
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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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