Alfa Insurance Company Review 2025

Trusted Choice's Alfa Insurance Score

3.5 Stars

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We award Alfa Insurance a final rating of 3.5 out of 5 stars. Alfa offers a wide variety of coverage, making it appealing to many types of insurance customers. The carrier’s long-standing status and impressive financial strength clearly demonstrate its staying power. While Alfa has high official ratings from AM Best and the Better Business Bureau (BBB), the carrier is not BBB-accredited.

Alfa Insurance was founded in 1946, making it a well-established carrier with several decades of experience offering quality insurance policies to businesses and individuals alike. Though it currently only offers coverage in 13 states, a wide variety of options are available for customers. Many discounts are also offered. Offering 24/7 claims reporting is also another major perk.

The fact that the carrier works with independent insurance agents helps make it more accessible to loyal and prospective customers, as does the carrier’s official website, social media presence, and mobile app. Alfa's rates are higher than average in some categories, but its discounts can help customers save money. Overall, we recommend looking into Alfa Insurance with the help of your independent insurance agent to be your next trusted carrier.

Alfa Insurance Pros and Cons:

Pros:	Cons:
Longstanding carrier	Coverage is only available in 13 states
“A+” (excellent) rating by Better Business Bureau (BBB)	Not BBB-accredited
“A” (excellent) rating by A.M. Best
Offers multiple types of insurance
Offers personal and commercial insurance
Network of independent insurance agents
Multiple discounts available
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Alfa Insurance Products by Type

Alfa Insurance caters to both individuals and businesses and offers several types of coverage, including:

Alfa Insurance Homeowners Insurance

Alfa Insurance provides all the standard protections you need in a homeowners insurance policy, including liability, dwelling, contents, additional structures, and loss of use. Customers have the option to schedule valuable personal property for a higher coverage limit. Some additional coverage enhancements are detailed below.

Coverage types, features, and benefits:

Home systems protection

Alfa's optional home systems protection coverage can reimburse the policyholder for repairs or replacements to important home systems, such as refrigerators, if they break down due to an electrical or mechanical failure.

Personal property replacement cost

Alfa offers customers the option to add personal property replacement cost coverage, which can pay to fully replace home contents after a covered loss without factoring in depreciation.

Home-sharing

Alfa's optional home-sharing coverage is ideal for homeowners who use their properties as short-term rentals. This coverage can pay for losses that occur while renters are staying at your home.

Alfa Insurance Homeowners Insurance Average Prices

Alfa's home insurance rates are more expensive than the current national average. A policy with $300,000 in dwelling coverage costs an average of $2,735 per year from Alfa. In comparison, the current national average cost for a similar policy is just $2,304 per year. Here are some average Alfa home insurance rates by dwelling coverage amount.

Alfa Home Insurance Prices by Dwelling Coverage Amount

Alfa's average home insurance rates were more expensive than the current national average in every dwelling coverage category we studied.

Alfa Insurance Car Insurance

Alfa Insurance also provides all the standard protections you need in a car insurance policy, including liability, uninsured/underinsured motorists, medical payments, collision, and comprehensive. A couple of additional coverages are detailed below.

Coverage types, features, and benefits:

Loss of use

Alfa's loss of use coverage provides reimbursement for a rental car if the policyholder's vehicle cannot be used due to a covered loss. Per-day coverage limits vary by policy.

Loss of income

Alfa's loss of income coverage provides up to 85% or $750 per month of your monthly income if you're unable to work due to a car accident. This coverage can last up to one year after the accident due to a continuous total disability.

Accidental death and dismemberment and loss of sight

Alfa's accidental death and dismemberment and loss of sight coverage can provide reimbursement if the policyholder suffers from death, dismemberment, or the loss of use of certain body parts or functions due to a car accident or being hit by a car. Coverage amounts vary by policy and case.

Alfa Insurance Car Insurance Average Prices

Alfa's average full coverage car insurance premiums are also more expensive than average. A full coverage auto insurance policy costs an average of $2,804 per year from Alfa.

In comparison, the current national average cost for a similar policy is $2,458 per year. However, Alfa customers can save money when they buy minimum coverage. Alfa's minimum coverage policies average $455 per year, while the national average is $678 per year.

Here are some average Alfa car insurance prices by driver age.

Alfa Average Annual Car Insurance Prices by Driver Age

Alfa's average full-coverage car insurance premiums were actually cheaper than the current national average rate for drivers aged 16, 80, and 20. However, for drivers aged 25 or 30, Alfa's premiums were more expensive than average.

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

What Discounts Does Alfa Insurance Offer?

Alfa Insurance offers a handful of competitive discount programs for its customers, most notably for auto insurance. These discounts include:

An independent insurance agent can provide better discount information and premium quotes for coverage through Alfa Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Alfa Insurance Customer Service

Alfa Insurance allows customers to handle claims over the phone or through the website, 24/7. The carrier's customer service options and availability are as follows:

Alfa Insurance sells coverage primarily through independent insurance agents. Independent insurance agents are also available to handle claims and insurance concerns for you, making customer service even easier.

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