Hastings Mutual vs. Alfa Insurance

Which insurance company is right for you? Compare discounts, plans, and quotes from Hastings Mutual and Alfa.

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Hastings Mutual vs. Alfa: What You Need to Know

Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.

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 Hastings Mutual Insurance Co Overview and ALFA Overview.

Hastings Mutual Insurance Co vs. ALFA: How much are the Average Rates?

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Hastings Mutual Insurance Co vs. ALFA: Rates by Number of Vehicle

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Hastings Mutual Insurance Co vs. ALFA: Rates by Homeownership

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What is Hastings Mutual and Alfa Insurance Rating?

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

ComparisonHastings MutualAlfa
Year Founded18851946
Market Share0.2% (2018)0.12%
A.M. Best RatingAA
BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Ratio0.82

Hastings Mutual or Alfa: Insurance Products Offered

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

InsuranceHastings MutualAlfa
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Renters Insurance
RV Insurance

Hastings Mutual or Alfa: Ways To Save

Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. In contrast, Alfa also offers a few discounts that Hastings Mutual 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 Hastings Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Hastings MutualAlfa
Away at School DiscountAirbags Discount
Claim Free DiscountBurglar Alarm Discount
Defensive Driving DiscountClaims-free Discount
Good Student DiscountDefensive Driver Discount
Multi-car DiscountDriver Education
Multi-policy DiscountDriver Training Discounts
Paid in Full DiscountGood Student Discount
Paperless Bills DiscountHome 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 Hastings Mutual & Alfa

Pros

Hastings Mutual
  • Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
  • Established history: the company has 130 years of service and has built a good reputation among its customers.
  • It has affordable rates.
  • Offers Multi-Policy discounts.
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

Hastings Mutual
  • Limited service: coverage is available in only 6 midwestern states across the US.
  • It doesn’t offer an online application, you need to call an agent for a quote.
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.

Hastings Mutual or Alfa 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).

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

Hastings Mutual & Alfa Contact Info

Hastings Mutual Contact Info
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/
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.

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