Alfa ranks 26th overall nationally, placing it outside the range of top car insurance providers. With this ranking, Alfa doesn't compete with the nation's best car insurance companies, though it shows strength in coverage options and affordability compared to other categories.
Alfa Car Insurance Review
Updated: September 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
Alfa ranks 29th for full coverage affordability and 14th for minimum liability coverage with average rates of $149 and $45 monthly respectively.
Alfa ranks 23rd nationwide for overall customer satisfaction, placing it in the lower half due to mixed agent service and forum reviews from policyholders.
Alfa earns the sixth best spot for coverage options, offering unique protections like roadside assistance with lockout service and accident forgiveness programs.
Alfa Car Insurance Ratings
| Overall Score | 4.05 | 26 |
| Customer Experience | 3.33 | 23 |
| Coverage | 4.12 | 6 |
| Affordability | 4.39 | 16 |
Who Is Alfa Car Insurance Best and Worst For?
Alfa works best for drivers with bad credit, adult drivers, young drivers, those with low income and drivers with older cars.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.91 | 30 |
How Much Does Alfa Car Insurance Cost?
Your car insurance costs with Alfa range from $42 to $581 monthly, depending on your profile and coverage choices.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $282 | $3,380 | 2% | 25 |
Alfa Car Insurance Rates by Driver Category
Drivers with bad credit will find Alfa among the most affordable car insurance companies available.
| Adult Drivers | $38 | $127 | 0% | 18 |
| Young Drivers | $71 | $225 | -22% | 10 |
| Senior Drivers | $51 | $146 | -7% | 14 |
| Drivers With an Accident | $65 | $202 | 11% | 22 |
| Drivers With a DUI | $61 | $188 | -22% | 9 |
| Drivers With a Speeding Ticket | $57 | $183 | 16% | 27 |
| Drivers With Bad Credit | $35 | $124 | -53% | 2 |
| Drivers With Low Income | $35 | $124 | -26% | 11 |
| Adult Drivers | $37 | $123 | -6% | 16 |
| Drivers With Newer Cars | $58 | $191 | 9% | 23 |
| Drivers With Old Cars | $36 | $117 | 2% | 18 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Alfa Car Insurance Discounts
Alfa offers 14 car insurance discounts, with average savings of up to 12% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Car Discount | Not specified | Two or more private passenger vehicles on one policy with Alfa | Available in AL, GA, MS |
Homeowner Discount | Not specified | Provide evidence of home ownership | Available in AL, GA, MS |
Occupational Discounts | Varies by occupation | Specific occupations including farmers, ministers, government employees, auto manufacturer employees, educators, military personnel, first responders | Some occupations not available in all states |
Driver Training Discount | Not specified | Complete driver training or defensive driving classes | Available in AL, GA, MS |
Mature Driver Discount | Not specified | Age 55+ (AL, MS) or any age (GA), successful completion of defensive driving course or Motor Vehicle Accident Prevention Course, clean driving record for 3 years, re-qualify every 3 years | Age 55+ in AL and MS; any age in GA; cannot combine with driver training discount in GA |
Youth Defensive Driver Discount | Not specified | Qualifying unmarried drivers ages 16-20 who pass Youth Defensive Driver Test (AL, MS) or Youth Safety Test (GA); cannot combine with other driver training discounts | Available in AL, GA, MS |
Anti-Theft Device Discount | Up to 10% | Vehicle equipped with anti-theft system | Available in AL, GA, MS (applies to comprehensive portion only) |
Safety Features Discount | Not specified | Vehicle equipped with safety features | Available in AL, GA, MS (discounts vary based on rating structure) |
Paid-in-Full Discount | Not specified | Pay full premium for policy term upfront | Available in AL, GA, MS |
Alabama Farmers Federation Discount | Not specified | Membership in Alabama Farmers Federation (discounted rate for Safe Driver Defensive Driving Course through SafeDriver.com) | Alabama only |
Alfa Car Insurance Customer Reviews and Reputation
Alfa ranked 23rd in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company excels in agent service quality, but claims processing gets more complaints than average.
Buying Process Experience
Alfa exclusively serves customers in Alabama, Georgia and Mississippi, offering coverage through over 400 local service centers staffed with hometown agents. It earned the top spot in J.D. Power's 2024 Southeast region Auto Insurance Study.
It offers a personalized, local service approach and comprehensive discount offerings, including special rates for farmers, military personnel and first responders.
Policy Management
Alfa's highly-rated Alfa2Go mobile app enables customers to access policy information, pay bills, file claims and connect with agents. Alfa maintains strong customer relationships through its network of local agents who provide personalized service and hometown familiarity.
Claims Experience
There are good and bad reviews of the claims processing. J.D. Power ranks Alfa first in three key categories (people, product offerings, and problem resolution) while individual customer reviews reveal serious service failures.
Alfa Car Insurance Industry Customer Satisfaction Ratings
Alfa ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Alfa's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Strong ability to meet financial obligations and pay claims - 50+ years of A rating |
AM Best Long-Term Credit Standing | a (Excellent) downgraded from a+ | aaa to d | High credit quality - recently downgraded from a+ |
S&P Global Financial Strength | Not Rated | AAA to D | No current rating available from S&P Global |
Moody's Financial Strength | Not Rated | Aaa to C | No current rating available from Moody's |
J.D. Power Auto Claims Satisfaction | Data Not Available | 1,000-point scale | Unable to locate Alfa in 2024 national rankings (Industry leader: NJM 782/1,000) |
J.D. Power Digital Service Experience | Data Not Available | 1,000-point scale | Unable to locate Alfa in 2024 rankings (Industry leader: Progressive 737/1,000) |
J.D. Power Auto Insurance Shopping Study | Data Not Available | Out of 1,000 | Unable to locate Alfa in 2024 rankings (Industry leader: Erie Insurance 730/1,000) |
J.D. Power Overall Customer Satisfaction | 693/1,000 (1st in Southeast) | Out of 1,000 | Winner - Southeast Region with highest score among 17 companies including national brands |
NAIC Auto Complaints | Data Not Available | 1.00 is average | Unable to locate specific complaint index score |
Alfa Car Insurance Reddit and Forum Customer Satisfaction
Alfa customers on Reddit and online forums like the company's strong regional presence in Alabama, competitive rates for local drivers and personalized service through local agents. Some concerns include limited geographic availability and fewer technological features compared to national carriers.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Pricing is good according to Alabama customers:
"Alfa's rates for Alabama drivers are hard to beat - they really understand our local conditions and risks. Been saving hundreds compared to the national companies that seemed to overcharge for our area."
Claims Processing
Claims processing receives generally positive reviews:
"After a storm damaged my car with fallen branches, Alfa had a local adjuster out quickly. They knew exactly what to expect for Alabama weather damage and handled everything smoothly."
"Filed a claim after hitting a deer on Highway 280 and Alfa took care of everything. The local office knew exactly where the accident happened and had me back on the road fast."
Customer Service
Customer service is consistently praised:
"My Alfa agent has been handling my family's insurance for 20 years. When I call, they know who I am and my history. That personal touch is something you just don't get with the big national companies."
"The local Alfa office feels like part of the community. They sponsor local events and actually care about the area they serve. Makes a real difference when you need help."
Digital Experience
The digital platform receives moderate reviews:
"Alfa's app handles the basics fine - I can pay my bill and check my policy. It's not as sophisticated as some of the bigger companies, but it gets the job done for what I need."
"The website works for simple tasks, but I still prefer calling my local agent for anything important. Would be nice to have more self-service options online."
Trust and Reputation
Trust levels are very high among Alabama customers, with the company's local heritage and community involvement building strong loyalty:
"Alfa has been taking care of Alabama families for decades. They understand our state and our needs better than any out-of-state company ever could. That local knowledge really shows."
"When tornadoes hit our area, Alfa was there immediately helping customers. They're not just an insurance company here - they're part of the community and prove it when it matters most."
Coverage Options
Customers appreciate comprehensive coverage tailored to Alabama conditions, though some note limitations for specialty situations:
"Alfa offers excellent coverage for Alabama drivers - they understand our weather risks, rural roads, and local conditions. The coverage options make sense for how we actually live and drive here."
"Great standard auto coverage that's designed for Alabama roads and weather. Only limitation is if you have specialty vehicles or unique situations - they're more focused on mainstream coverage needs."
"The multi-policy discounts with home and auto are excellent. Having everything with one local company that knows Alabama makes managing insurance so much easier."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Alfa Car Insurance Coverage Options
Alfa provides standard coverages like other leading insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Roadside Assistance | 24/7 emergency services including towing, battery jumps, flat tire changes, lockout services, fuel delivery, mechanical assistance | Up to $200 for towing services; $100 limit for locksmith services; 1-hour limit on mechanical assistance; Real-time notifications when service vehicle is nearby |
Rental Car/Loss of Use Coverage | Payment for rental vehicle while car is being repaired after covered loss | Available in $30, $40, $50, and $100 per-day increments; Choose coverage level that suits your needs |
Accident Waiver | Eliminates rate increase after first at-fault accident | Available to Alabama and Mississippi residents only; Prevents premium increase from first at-fault accident |
Pet Injury Coverage | Veterinary bills if pet is injured in vehicle accident | Up to $250 coverage for vet bills from covered accident |
Child Safety Seat Replacement | Replacement of car seat following accident | Up to $250 to replace child's car seat after covered accident |
Other Alfa Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy on their own:
Who Offers It? | Insurance Products |
|---|---|
Progressive (Directly Offered) | Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Life Insurance, Farm Insurance, Business Insurance, Church Insurance, Watercraft/Boat Insurance, Motorcycle Insurance, ATV Insurance, RV Insurance, Personal Umbrella Insurance, Flood Insurance, Health Insurance |
Third-Party Partner | None are advertised |
Alfa Auto Insurance Review: Bottom Line
Alfa performs well regionally, ranking first in the Southeast for customer satisfaction, though it places 26th overall nationally. It offers competitive rates for certain demographics, like drivers with bad credit (second place) and young drivers (10th place), but serves only Alabama, Georgia, and Mississippi. We recommend you compare insurers to find the best deal for your situation.
Alfa Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Alfa car insurance:
Does Alfa have a good reputation?
Yes, Alfa is a legitimate car insurance company that received our 26th overall ranking in our comprehensive car insurance provider analysis. The company particularly excels in coverage options, where it earned sixth place among all insurers we evaluated.
Where is Alfa the best car insurance company?
Alfa is not a top company in any of the states in our study, and didn't rank in the top 5 of any states either.
How much does Alfa car insurance cost on average?
Alfa's average annual cost for adults is $573 for state minimum and $1,905 for full coverage. Annual premiums range from $509 to $1,981 for minimum and $1,789 to $5,984 for full coverage.
Is Alfa known for denying claims?
Customer feedback suggests Alfa faces criticism for claim denials, with policyholders reporting rejections for legitimate damages and lengthy approval processes that frustrate customers seeking timely resolutions.
Note: This represents limited information based primarily on forum reviews.
Is Alfa a good option for high-risk drivers?
Yes, Alfa offers solid options for certain high-risk drivers. The company ranks 9th overall for drivers with a DUI and 10th for young drivers, making it a competitive choice for these categories.
Does Alfa raise car insurance rates over time?
Yes, Alfa raises rates over time due to inflation impacting repair and medical expenses, higher claim frequencies from distracted driving and severe weather, plus increased vehicle technology costs. Rate adjustments also reflect updated risk assessments for your area, regulatory changes, and personal factors like credit score shifts or age-related risk categories.
Is Alfa good for young drivers?
Alfa offers competitive rates for young drivers, ranking 10th for overall affordability, making it a pretty good choice for this demographic.
How We Rated Alfa Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.