Honest Policy Logo
Alfa logo

Alfa Car Insurance

Smart Score

85

Industry Average: 75

Smart Score

85
/100

Industry Average: 75

Customer Service

8.7
/10

Industry Average: 7.7

Claims Process

8.6
/10

Industry Average: 8

Value for Price

8.1
/10

Industry Average: 7

Alfa Overview

As an outgrowth of the Alabama Farmers Federation, Alfa Insurance Companies began to provide quality fire insurance to federation members in 1946, who were primarily farmers. Since then, Alfa has grown to offer an excellent array of insurance coverages including life, property and automobile to its clients and has also become known for superior customer service. Alfa and its affiliates now provide insurance and other financial services to more than 1 million customers in 11 states.

Lines of Business:

Alfa Ratings Breakdown

Smart Score

85

Alfa: 85
Industry Average: 75
Alfa: 85
Industry Average: 75

Why our Smart Score matters

Alfa’s Smart Score of 85 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Alfa’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 85, Alfa rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8.7

Alfa: 8.7
Industry Average: 7.7
Alfa: 8.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Alfa’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Alfa’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Alfa’s service score of 8.7, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7.8 and 9.6. With those narrow bounds, we’re confident about the accuracy of their 8.7 rating.

Claims Process

8.6

Alfa: 8.6
Industry Average: 8
Alfa: 8.6
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Alfa. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Alfa handles it.


Alfa’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Alfa.


What does this mean for you?

Evident from a claims score of 8.6, Alfa has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources are very consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 8.2 and 9. With those tiny bounds, we’re very confident about the accuracy of their 8.6 rating.

Value for Price

8.1

Alfa: 8.1
Industry Average: 7
Alfa: 8.1
Industry Average: 7

Alfa’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Alfa comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Alfa’s value for price score of 8.1 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7 and 9.2. With those moderate bounds, we’re pretty confident about the accuracy of their rating.

Alfa Auto Official Complaints

Official Complaints

Average

Tracks how many more or less official complaints Alfa has than average. With an index of 0.96 Alfa is about average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Alfa has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Alfa has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.96 Alfa falls in the middle of the pack.

Alfa Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Alfa

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Alfa availability in these states

Compare

How does Alfa compare to other insurance companies? Click the following links below to compare Alfa to other top insurance companies.

Alfa logo
Vs

Other carriers