Alfa Insurance: Overview

Alfa was founded in 1946 and offering insurance in 11 states.

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About Alfa

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.

Alfa Facts & Ratings

Year Founded1946
Financial StrengthExcellent
A.M. BestA
NAIC Complaint Ratio0.82
Market Share0.12%

Alfa Mobile App Rating

iOS     4.71.9 user reviews
Android     3.7251 user reviews

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).

Pros & Cons of 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.
  • 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.

Common Questions about Alfa

How to make a payment to Alfa Insurance:

You can pay your Alfa Auto Insurance using the app or by electronic funds transfer (EFT) with no fee. You can also set up AutoPay. You can pay in full, monthly or quarterly.

How to find Alfa Insurance near me?

You can compare multiple car insurance quotes first by visiting here. You can find an Alfa Insurance agent near you by visiting here.

Is Alfa Insurance a mutual company?

Yes, Alfa Mutual Insurance Co operates as an insurance company.

How to cancel Alfa Insurance:

The best way to cancel your Alfa Car insurance is to call an agent at 1-800-964-2532. Don’t let your insurance lapse, however, or you may get penalized for the lapse.

Is Alfa a good insurance company?

Alfa Insurance has an A from A.M Best, so it’s financially very stable. It also has a low complaint ratio so customers seem to be satisfied with the service.

Does Alfa Insurance have a grace period?

If you miss a payment you will be given a cancellation notice notifying you that your policy has been canceled. There is no grace period for car insurance. Whether or not you can retain coverage depends on how soon after you tried to make a payment and how lenient your car insurance company is. A lapse in coverage will raise your insurance rate.

How to get an Alfa Insurance quote:

The best way to get a car insurance quote is by comparing rates here. You’ll be given several rates to choose from. If Alfa Insurance is not one of the lowest rates offered and you want to see the quote, find an agent here.

Does Alfa offer health insurance?

Alfa Services, Inc is an independent authorized producer/agency, which is licensed to sell and promote health insurance products from Blue Cross and Blue Shield of Alabama, an independent licensee of the Blue Cross and Blue Shield Association.

How much is Alfa health insurance?

Health insurance rates vary according to several factors, including age and the tier you choose for your health plan.

Is Alfa Home Systems Protection coverage worth it?

Alfa Home Systems Protection only costs $43 a year. It can protect you against household equipment break down and is worth the low-cost coverage enhancement it adds to your standard homeowner’s policy. The systems covered by this protection include: geothermal and solar installations, air conditioning and heating systems, appliances, control panels, electrical garage door openers/gates, electrical panels and back-up generators, elevators and chair lifts, fire and security systems (fire protective sprinkler piping excluded), hot water heaters, pool and hot tub equipment/filtration systems, water treatment and filtration equipment, well pumps, computers, tablets and smartphones, health monitoring systems, home exercise equipment, home theater and audio systems and shop equipment not used for business. The Alfa Home Systems Protection acts as a homeowners warranty.

How to save on homeowner insurance with Alfa:

Bundle your homeowners insurance with your auto insurance. Also, there are several other homeowner discounts through Alfa. You can lower your monthly premium by using burglar alarms, fire or smoke alarms, deadbolt locks, and fire extinguishers. You are also eligible for a claims-free discount. You can also pay less each month by raising your deductible.

Does Alfa Insurance have roadside assistance

Yes, Alfa offers roadside assistance with policy limits of $100. The cost of a tire, battery, oil and other items are not covered.

How does Alfa Loss of Use coverage work?

Loss of use coverage with Alfa auto insurance pays up to policy limits for a rental vehicle if your covered car is in the shop due to a covered loss.

What is liability only with Alfa auto insurance?

‘Liability only’ includes both bodily injury and property damage liability. Liability coverage takes care of expenses for the other driver and passengers if the accident was your fault. In most states, both types of liability coverage are required.

Alfa Insurance Products

Auto InsuranceHome Insurance
Renters InsuranceManufactured Home Insurance
Life InsuranceFarm Insurance
Business InsuranceFarm Coverage
Business CoverageHealth Insurance
Dental InsuranceTerm Life Insurance
Permanent Life InsuranceFlexible Universal Life
Church InsuranceFlood Insurance
Personal UmbrellaWatercraft Insurance

Alfa Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payment

This coverage helps you pay for medical expenses resulting from a covered loss.

Roadside assistance

This coverage provides towing, mechanical and roadside help with common issues like locked doors, tire changes and gas delivery to customers in Alabama, Georgia, and Mississippi.

Loss of Income.

This coverage pays for income loss if you or anyone else in your car can’t work as a result of an accident. Coverage is 85% of your income for up to a year and no more than $750 a month.

Loss of use and travel expenses

This coverage provides car rental while yours is being repaired in the event of a comprehensive or collision loss.

Discounts

Burglar Alarm DiscountSmoke Alarm Discount
Claims-free DiscountMulti-policy Discount
Airbags DiscountHome and Auto Bundle Discount
Multi-car DiscountDefensive Driver Discount
Good Student DiscountDriver Training Discounts
Driver EducationYouth Defensive Driver Test
Youth Safety TestHomeowner Discount
Teacher Discount

Alfa Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Alfa. On average, Alfa charges approximately $167.82 per month. The cheapest state average is Virginia at $129.10 per month followed by Mississippi at $148.49 per month. The most expensive state average is Georgia at $184.12 per month.

State Avg monthly rate
AL $163.55
AR $159.94
GA $184.12
State Avg monthly rate
MS $148.49
VA $129.10

Alfa Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Alfa charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $153.07
2 Vehicles $223.27
3 Vehicles $319.59
4 Vehicles $383.63
5 Vehicles $492.91
6 Vehicles $533.82

Alfa Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Alfa charges $154.98 per month for drivers who own their home and $173.20 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $154.98
Rent $173.20

Alfa Contact Info

AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Website https://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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