Alfa Insurance was founded in 1946 by the Alabama Farmer's Federation as a way to insure the Alabama farming community. They are currently available in eleven states of the mid-east and southern United States. With a client base of over 1 Million policies and financial service products, Alfa Insurance has a proven track record. Alfa offers a number of beneficial services and financing options to the areas in which they cover. However, policies written by Alfa do not include as many discounts which are available from other companies, but most of the standard discounts are available to policyholders.

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The Good

Coverage features
Service coverage
Community involvement

Coverage Features

Alfa Insurance offers their customers the basic coverages for their automobile insurance needs. The required minimums vary per state, so customers should contact their local agent for specifics about offered coverages.

Bodily injury
Property damage
Insured
Underinsured
Medical payment
Comprehensive
Collision

Service Coverage

Alfa offers their insurance products in the following states Alabama, Arkansas, Georgia, Indiana, Kentucky, Mississippi, Missouri, North Carolina, Ohio, Tennessee, Texas, and Virginia.

Community Involvement

An area in which Alfa insurance excels is their community involvement and support. They offer college scholarships through the ALFA Foundation Scholarship Foundation, discounts on car seats to the community, and are active on social media channels, sharing helpful tips, videos, etc. which are designed to help families keep themselves safe. While not directly measure as a criteria for rating a company, we are impressed with the level of community service provided by Alfa Insurance.

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The Bad

Price range
Discounts
File/track claims

Price Range

Alfa Insurance has not disclosed pricing information.

Discounts

Alfa Insurance does not offer as many of the industry-common discounts as do the majority of their competitors. They do offer a few beyond what the Review Team looks for in a policy. Most would not likely switch their auto insurance carrier to Alfa exclusively for their discounts.

Air bags
Anti theft
Defensive driver
Youthful operator
Driver training
Youth defensive driving
Youth safety
Multi-car
Combo
Life insurance
Home ownership

File/Track Claims

Customers are able to file claims online, but they cannot track them.

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The Bottom Line

Alfa Insurance has many redeeming features. Their community involvement is admirable. Offering discounted and safe child restraint seats is a definitive positive in the features available by Alfa Insurance. There are reasons which one might not want to choose Alfa Insurance. Without having a base price for a basic policy, some people might be concerned about pricing. In reality, there are so many features which are factored into the formulas used by insurance agents to obtain pricing information, that, while helpful, is really not more than a vague estimate. The company's discounts are more limited than those offered by many of their competitors. As such, customers may find that their price for auto insurance may be higher than if they selected a company with more available discounts. It is not possible for the Review Team to determine if this lack of available discounts will have a certain outcome on rates. Customers looking for basic auto insurance coverage in the states which Alfa servers should at least compare pricing options against other insurance companies, with their specific information in the quote. The Review Team recommends Alfa Insurance for consideration, with the understanding that some of the information used to rate a company is not as readily available.

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Morgan Sweat Montgomery, AL

The customer service was excellent, they answer every time i called and handled my issues in a timely manner. They assisted me and my family member that joined as well and handled us with care. The only downside is the rates are fairly high for the coverage.

4 years ago

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Roy Gamble Rainsville, AL

They care about their clients. They ate always there when you need them.

6 years ago

star star star star star

Taylor Siren Gilbert, AZ

Customer service out of this world, Alpha brings my family and I peace of mind in our home.

6 years ago