Country vs. Alfa Insurance

Which insurance company is right for you? Compare rates, plans, and quotes from Country and Alfa.

Compare Car Insurance Rates in Your Area

Country vs. Alfa: What You Need to Know

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto, and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker-dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance, and 529 College Savings Plans. In 1997, based on their principle of putting people first, the client's service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “The Best Provider of Financial Security in America.” Country Life Insurance Company®, Country Mutual Insurance Company®, and its respective subsidiaries are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch, and crop insurance, and retirement planning, education funding, annuities, and planning services.

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 Country Overview and ALFA Overview.

Country vs. ALFA: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Country and ALFA. On average, Country charges approximately $145.33 per month while ALFA comes in at around $186.50 per month. For Country, the cheapest state average is Illinois at $102.32 per month and the most expensive is Minnesota at $193.84 per month. For ALFA, the cheapest state average is Virginia at $119.43 per month and the most expensive is Georgia at $214.16 per month.

Country

Average Rate

$145.33
ALFA

Average Rate

$186.50
National

Average Rate

$117.77
State Country ALFA
Alabama $110.86 $174.63
Arizona $154.90 -
Arkansas- $197.85
Georgia $165.20 $214.16
Illinois $102.32 -
Minnesota $193.84 -
Mississippi- $174.94
Nevada $180.47 -
Oregon $104.04 -
Virginia- $119.43

Country vs. ALFA: 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 Country and ALFA typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Country ALFA
1 Vehicle $133.17 $171.08
2 Vehicles $188.29 $245.06

Country vs. ALFA: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Country charges $138.06 per month and ALFA charges $176.44 per month for customers who own their home.

Own/Rent Country ALFA
Own $138.06 $176.44
Rent $149.67 $192.28

What is Country and Alfa Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Country and Alfa ranked among the industry ratings.

ComparisonCountryAlfa
Year Founded19251946
Market Share0.49%0.12%
A.M. Best RatingA+ (Superior)A
Financial StrengthExcellentExcellent
NAIC Complaint Index0.22
NAIC Complaint Ratio0.82

Country or Alfa: Insurance Products Offered

What coverage is available through Country and Alfa? Both insurance companies offer Auto, Commercial, Farm, Health, Home, Life, Renters, and RV insurance. Additional products from Country insurance also includes Condo, Motorcycle, and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Country and ALFA Insurance page.

InsuranceCountryAlfa
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance

Country or Alfa: Ways To Save

Country offers a wide range of discounts to its policyholders, including Anti-theft, College Graduate, and Defensive Driver discounts. Alfa also offers a few discounts that Country doesn’t including Youth Safety Test, Youth Defensive Driver Test, and Teacher discounts. Start taking advantage of discounts offered by insurance providers like Alfa and Country insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CountryAlfa
Advance Quote DiscountAirbags Discount
Anti-theft DiscountBurglar Alarm Discount
College Graduate DiscountClaims-free Discount
Defensive Driver DiscountDefensive Driver Discount
Discounts for TeensDriver Education
Engaged Couple DiscountDriver Training Discounts
Good Driver DiscountGood Student Discount
Good StudentHome and Auto Bundle Discount
Legacy DiscountHomeowner Discount
Multi-car DiscountMulti-car Discount
Multi-policy DiscountMulti-policy Discount
Occupation DiscountSmoke Alarm Discount
Teacher Discount
Youth Defensive Driver Test
Youth Safety Test

Pros & Cons of Country & Alfa

Pros

Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.
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.

Cons

Country
  • It doesn’t reward loyal customers.
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.

Country or Alfa Mobile Apps Options

The Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

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).

Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews
Alfa Mobile App
iOS     4.71.9 user reviews
Android     3.7251 user reviews

Country & Alfa Contact Info

Country Contact Info
Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/
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

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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.