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 $213.53 per month while 21st Century comes in at around $156.42 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 $156.19 per month and the most expensive is California at $156.19 per month.


Average Rate

21st Century

Average Rate


Average Rate

State ALFA 21st Century
California- $156.19

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 $ $150.10
2 Vehicles $ $235.11

ALFA vs. 21st Century: Rates by Homeownership

Rates Are Not Currently Available

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!

ComparisonAlfa21st Century
Year Founded19461958
Market Share0.12%

BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Index1.47
NAIC Complaint Ratio0.82
S&P RatingA+

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!

Alfa21st Century
Airbags DiscountMature Driver Discount
Burglar Alarm DiscountMulti-Car Discount
Claims-free DiscountPaperless & Autopay Discount
Defensive Driver DiscountSafe 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


  • 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.


  • 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     4.71.9 user reviews
Android     3.7251 user reviews
21st Century Mobile App
iOS     1.95 user reviews
Android     3.2934 user reviews

Alfa & 21st Century Contact Info

Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
21st Century Contact Info
Address3 Beaver Valley Road, Wilmington, DE 19803

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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