Alfa vs. Direct Auto Insurance

Which insurance carrier is right for you? Compare products, insights and quotes from Alfa and Direct Auto.

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Alfa vs. Direct Auto: 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. 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.

In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer. He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

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

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

Below is a list of the average rates that drivers typically pay with ALFA and Direct Auto. On average, ALFA charges approximately $198.39 per month while Direct Auto comes in at around $255.97 per month. For ALFA, the cheapest state average is Virginia at $123.56 per month and the most expensive is Georgia at $225.96 per month. For Direct Auto, the cheapest state average is North Carolina at $104.30 per month and the most expensive is South Carolina at $420.08 per month.

ALFA

Average Rate

$198.39
Direct Auto

Average Rate

$255.97
National

Average Rate

$120.03
State ALFA Direct Auto
Alabama $187.35 $120.73
Arkansas $193.44 $189.97
California- $361.12
Florida- $196.59
Georgia $225.96 $242.52
Illinois- $379.02
Mississippi $187.34 -
North Carolina- $104.30
Ohio- $238.67
South Carolina- $420.08
Tennessee- $146.57
Texas- $180.83
Virginia $123.56 $387.80
Washington- $354.52

ALFA vs. Direct Auto: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that ALFA and Direct Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles ALFA Direct Auto
1 Vehicle $183.22 $248.47
2 Vehicles $254.66 $365.19
3 Vehicles $383.33 $

ALFA vs. Direct Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average ALFA charges $186.23 per month and Direct Auto charges $204.56 per month for customers who own their home.

Own/Rent ALFA Direct Auto
Own $186.23 $204.56
Rent $203.94 $263.01

What Are Alfa and Direct Auto Insurance's Ratings?

Alfa was founded in 1946 followed by Direct Auto insurance 45 years later. Alfa Insurance makes a great effort to satisfy consumers with ease in filing claims and getting claims paid. Direct Auto received an "A+" rating from Better Business Bureau® (BBB). Both of their financial strength scores the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!

ComparisonAlfaDirect Auto
Year Founded19461991
Market Share0.12%
A.M. Best RatingA
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06
NAIC Complaint Ratio0.82

Alfa or Direct Auto: Insurance Products Offered

There are some similar insurance coverages Alfa and Direct Auto offer to consumers including Auto, Health, and Renters insurance. Alfa Insurance offers extra coverage in Life insurance including Term, Permanent, and Flexible Universal. Get to know more about Alfa or Direct Auto insurance options and save on insurance premiums.

Insurance Alfa Direct Auto
Accident Medical Expenses
Auto Insurance
Business Insurance
Commercial Auto Insurance
Dental Insurance
Emergency Protection
Farm Coverage
Farm Insurance
Flood Insurance
Health Insurance
Home Insurance
Life Insurance
Manufactured Home Insurance
Mexico Auto Insurance
Motorcycle Insurance
Renters Insurance
Roadside Insurance
Watercraft Insurance

Alfa or Direct Auto: Ways to Save

Alfa and Direct Auto insurance have a variety of insurance coverage. They have similar discounts on Multi-Policy for the policyholder who insures more than one product. Direct Auto and Alfa Insurance have discounts that could save you hundreds of dollars in monthly insurance costs. Learn more about the savings they offer and see the difference. Lower your insurance premiums today!

AlfaDirect Auto
Airbags DiscountAffinity Discount
Burglar Alarm DiscountGood Student Discount
Claims-Free DiscountHomeowner Discount
Defensive Driver DiscountMileage Discount
Driver EducationMilitary Discount
Driver Training DiscountsMulti-Car Discount
Good Student DiscountMulti-Policy Discount
Home and Auto Bundle DiscountPrior Coverage Discount
Homeowner DiscountRenewal Discount
Multi-Car DiscountSafe Driver Discount
Multi-Policy DiscountSenior Citizen Discount
Smoke Alarm DiscountWelcome Back Discount
Teacher Discount
Youth Defensive Driver Test
Youth Safety Test

Pros & Cons of Alfa & Direct Auto

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.
Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of 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.
Direct Auto
  • Claims only by phone. There is no option to file a claim online.

Alfa or Direct Auto 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).

Direct Auto does not currently have a mobile app.

Alfa Mobile App
iOS     4.71.9 user reviews
Android     3.7251 user reviews
Direct Auto Mobile App
Direct Auto does not currently have a mobile app.

Alfa & Direct Auto Contact Info

Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Websitehttps://www.alfainsurance.com/
Facebookhttps://www.facebook.com/AlfaInsurance
Youtubehttps://www.youtube.com/user/AlfaInsurance
Twitterhttps://twitter.com/Alfa_Insurance
Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/

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.

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