Alfa Insurance

273 Reviews

Alfa Insurance was founded in 1946 as an offshoot of the Alabama Farmers Federation. Alfa Insurance provides insurance policies in 11 states, though their headquarters are based in Montgomery, Alabama. Here are a few key things to know about Alfa Insurance:

2.0/5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers auto insurance, home insurance, renters insurance, and more.

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Alfa Insurance Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/17/2023.

2.0

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WalletHub
January 20, 2023 • @WalletHub

editor's review

Alfa Insurance Review

Alfa Insurance is an average car insurance company, given its middle-of-the-road premiums and strong customer service. Alfa’s NAIC rating is 2.00, which means it has more customer complaints than the average competitor, adjusted for size.

Alfa insurance is available in Alabama, Georgia, and Mississippi.

Alfa Insurance Ratings

Reviews on WalletHub: 2.0/5
NAIC: 2.00
BBB: A+
AM Best: A
Moody's: A1

ALFA Insurance has not been accredited by the Better Business Bureau.

Alfa Insurance Auto Insurance Review Highlights

Top Discounts – driver training discount, multi-policy discount, and occupational discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – accident forgiveness, roadside assistance, and loss of use.

Alfa Insurance Home Insurance Review Highlights

Alfa Insurance offers basic homeowners insurance policies, as well as coverage for renters.

A homeowners insurance policy from Alfa Insurance protects your home and personal belongings from a variety of damage-causing risks. Alfa Insurance homeowners policies provide additional coverage for physical damage caused by fire, theft, and other perils, liability coverage, dwelling and outbuildings, and personal property. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

Alfa Insurance offers renters insurance, which protects against fire, lightning, theft, windstorm or hail, explosions, riot or civil commotion, smoke, vandalism or malicious mischief, freezing of plumbing system, loss of use, personal liability, costs of defending lawsuits, and medical payments.

Overall, Alfa Insurance has reliable property insurance options for a variety of situations.

Alfa Insurance Car Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$63 per month
21-Year-Old	$63 per month
45-Year-Old	$34 per month
45-Year-Old with a Speeding Ticket	$42 per month
45-Year-Old with DUI	$128 per month
55-Year-Old	$30 per month
65-Year-Old	$29 per month

Bottom Line: Is Alfa Insurance a Good Company?

Alfa Insurance is an average insurance company, given its average pricing but high number of customer complaints. Alfa Insurance’s most notable insurance options include auto, homeowners, life, and business policies.

Product: Alfa Insurance Car Insurance

Comment

ace_buster
March 17, 2023 • @ace_buster

My wife and I have had Alpha for the last 12 years. We have both of our cars covered, our home, individual writers for specific pieces of jewelry and art, plus a $5M umbrella added on top. In those 12 years, we had a $50K plus claim on a previous house due massive storm damage. We have also had three different incidents where other drivers have hit either myself or my wife, and Alpha has assisted in every instance when dealing with other insurance agencies, especially when it came to fighting the depreciated value other agencies try not to pay or try to pay as little as possible (imaging an $80K new SUV missing being totaled by $1,000 - and that insurance company saying the vehicle was only depreciated by $825?!? - yeah, we ended up getting a check for over $10K thanks to Alpha stepping in and fighting for us).

Two years ago, my mother moved into our home after my father passed away. She switched to Alpha for coverage of the new Caddy AT4 she bought the month prior. Two months ago we were hit by a driver from out of state who ended up being under insured by State Farm. Alpha in less than two weeks, cut my mom a check for $5K more than what I was expecting (I was expecting what KBB had for excellent condition for a private sale).

Product: Alfa Insurance Car Insurance

Comment

Stephaniemarotz
February 9, 2023 • @Stephaniemarotz

This is the third time they have messed up my payment process and told me their billing office doesn’t make mistakes when clearly I have my own proof they do. They will not admit to their mistakes and are very rude and unprofessional! I would give them a zero if I could. The lady I spoke with was short and very rude and didn’t want to listen to anything I had to say and was very quick to try and cut me off during conversation. I also waited for 4 hours for a call back that never came so I had to call her back. My rates continue to go up every year with out any reason except well everyone’s did. This company is for the birds. Plus I pay a membership fee and for what? I should be able to opt out I dont like paying fees to get absolutely no help but rude remarks and poor customer service!! I have 7 vehicles and two homes and recreational vehicles with them but they will lose me as a customer tomorrow!!! This company is pitiful!

Product: Alfa Insurance Car Insurance

Comment

Daniel Engel
October 1, 2022 • @idanielengel

Alfa is corrupt. They profit of losses, and their own losses, too, as they keep the claim proceeds for themsleves, while forcing vendors into repairs. When a loss occurs, ALFA proceeds in a manner in which they ask themselves, per your loss, 'how can i profit from my customer's loss?' I've witnessed and been victimized by it firsthand, and this run from the root to the fruit.

Product: Alfa Insurance Home Insurance

Comment

croth2008
September 19, 2022 • @croth2008

After being with Alfa for over 20 years, I discovered I was paying double what other insurance companies were charging for the same coverage. When I canceled my policy the agent failed to cancel it and my premium was deducted from my account when it should not have been. Upon calling my agent, I was told I canceled the policy too late. So I called the home office and found out the agent, in Jasper GA, lied to me. He had not canceled the policy when I had called and asked for it to be canceled. He canceled it the morning I called about why the draft had occurred in my checking account. He also hung up on me. The complete lack of any kind of professionalism is remarkable. No loyalty, no customer service. I have grown children with policies with Alfa. They won't have them long. Neither will my friends. Save yourself some heartache and stay away from this insurance company!

Product: Alfa Insurance Car Insurance

Comment

Thomastashat50
August 12, 2022 • @Thomastashat50

Thay the worst if I could give them a zero I would thay mean folks an am so glad am not insured wit them an thay are racist. One of there clients hit me an thay saying there clinic saying she didn’t now so long as I know right on my side I will win. The thing is we were on Walmart property an she didn’t even look back. But old racist alfa thay don’t care an wanted tell me she only has liability which I don’t care what she got my car going to get fit it’s sad people in the world is so low down an racist but old well I say thay aren’t happy with themselves an thay need Jesus in there life’s

Product: Alfa Insurance Car Insurance

Comment

Kristi T
August 9, 2022 • @kristit1426

I would give them a rating of 0 if I could. I will never use their insurance company. Their local agent was very rude and condescending. I had a builders risk policy through one of their companies while my house was being constructed. I was supposed to close at the end of June but was pushed back until the middle of July. They cancelled my builders risk policy and started a new home owners policy. The home owners insurance rates were outrageously high. They are claiming that I owe them since they are blaming me for not letting them know that I didn’t close in June like I was supposed to. Instead of working with me to try to figure it out, they lay all of the blame on me. I eventually went with a different insurance company for my house insurance which is half of the amount that Alfa was going to charge me. Their customer service needs a lot of work.

Product: Alfa Insurance Home Insurance

Comment

daisydawn52
January 20, 2022 • @daisydawn52

I gave Alfa a 1 star because I couldn't give them 0, my car was in an accident with one of there policy holders, the adjuster said I could only take it to 1 company that Alfa contracted with for repairs, so I did. When I picked up the car I noticed shotty paint work, spray painted in areas, their trash left in the front floor board, and in the trunk there was a paint can as well. I didn't expect them to paint the whole car but they half painted it to begin with and the drivers side wasn't even damaged, but has a spray painted piece on the passenger door driver side. Contacted the adjuster, real piece of work, haven't decided actions yet!!!! He said that the company they use are contracted with Alfa and that the work is warranted but, I will not take it back to them, I hope this helps someone else.

Product: Alfa Insurance Annuities Insurance

Comment

lwaters052015
August 31, 2022 • @lwaters052015

It would seem that the problem lies with the body shop for doing subpar work rather than the insurance company who only wrote the check.

Comment

Jason Vernon
September 28, 2021 • @76jvernon

Had them for 30 years and filed my first storm claim for a roof and they dropped me for, "Not doing the repairs I filed a claim for." Which was done months before and pictures taken. "Not meeting underwriting guidelines." Which of course I could not get a straight answer on. Expensive insurance and cut rate service rooted in Alabama special interest which is their main customer these days.

Product: Alfa Insurance Home Insurance

Comment

Jessica Poole
July 22, 2021 • @jessica_gable

I am very disappointed in our experience with Alfa insurance when it came to replacing our roof to our home. We recently joined Alfa insurance with our cars and while talking with Paul Perry, we decided to use Alfa for our home insurance as well. I have had a wonderful experience with Paul Perry! I have nothing bad to say about Paul. But the process with getting our roof inspected and replaced with Connor Wright, I am severely disappointed and frustrated. There was near to no communication throughout the whole process. I am fairly new to homeownership and a roof replacement was not something I was expected to be doing anytime soon, so to find a leak in my kitchen shortly after a bad storm was a big surprise. When I called Paul, he was so quick to give me resources to call to get our roof inspected. We were very happy with the roofing company we chose to replace the roof, but none of the payments were given with much guidance or direction on Alfa's side. I had no idea what the whole payment process was and all of it was very confusing. No one seemed to stop and explained after I emailed and called Connor, confused about how much something was supposed to be and when it was supposed to get paid... The salesman with the roofing company we used has been more informative and beneficial to me than anyone from Alfa. This whole process has been extremely confusing and I have absolutely nothing my savings account now because of how blindsided I was about these payments. I would not recommend anyone to get home insurance with Alfa.

Product: Alfa Insurance Home Insurance

Comment

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Alfa Insurance Q&A(7 questions)

Does Alfa Insurance have CDs?

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Sydney Garth, Credit Cards Moderator

Alfa Insurance does not have CDs. It is exclusively an insurance company and offers various types of insurance including auto, home and life, among others.

What does Alfa stand for in Alfa insurance?

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Delaney Simchuk, Car Insurance Writer

Alfa stands for Alabama farmer. Alfa Insurance was originally called Alabama Farm Bureau Insurance but changed its name to Alfa Insurance in 1987, using the first two letters of the words “Alabama” and “farmer” to create the word Alfa.

Leaders of the Alabama Farmers Federation initially founded Alfa Insurance to provide fire protection for rural residents. Now, Alfa Insurance provides a wider variety of insurance products, such as home, auto and life insurance policies, in 11 states. It is headquartered in Montgomery, Alabama.

To learn more, check out WalletHub's complete review of Alfa Insurance.

Who started Alfa Insurance?

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Is Alfa Insurance only in Alabama?

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What kind of insurance is Alfa?

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Alfa Insurance Contact

What type of help do you need?

Visit Website

800-964-2532

opens Monday: 12pm

2108 E South Blvd

Montgomery, AL 36116

Local Alfa Insurance agents:

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