Alfa Alliance vs. Auto-owners: Which Company is the Best Fit for You?

Quick Facts

• In general, Auto-owners offers slightly less expensive premiums than Alfa Alliance
• Alfa Alliance offers more affordable rates for people who are single and purchasing insurance by yourself
• Auto-owners offers more affordable average prices for drivers with a DUI charge on their record

Alfa Alliance vs. Auto-owners: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering sizable discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Alfa Alliance or Auto-owners for your next policy, but which one will offer you cheaper premiums?

Looking at the national average rates for both companies, Auto-owners is about $15 per month less expensive than Alfa Alliance.

Even so, that doesn't mean Auto-owners will necessarily be more affordable than Alfa Alliance for every driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things), so rates will change quite a bit from person to person.

Wanting to know if Alfa Alliance or Auto-owners is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Alfa Alliance or Auto-owners: Average Car Insurance Rates by State

Alfa Alliance and Auto-owners only compete against each other in Virginia, where Auto-owners offers the cheaper average premiums. For Virginia residents, Auto-owners offers insurance for $99 monthly on average. Alfa Alliance's average rates come out to be over 70% more expensive, at $194 per month.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Alfa Alliance for their car insurance pay nearly $150 less than those who use Auto-owners.

That being said, both companies will decrease prices by the time you turn 25. Auto-owners offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Alfa Alliance's average rates lower almost 15% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Alfa Alliance and Auto-owners specifically, which carrier is best for retired drivers? Auto-owners gets the edge, with rates for drivers 65 and older nearly 15% cheaper than the national average for Alfa Alliance.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples normally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, the two companies are comparable for those who are single, with premiums only differing around $2 a month, on average. But for married drivers, the advantage is clear - Auto-owners offers the most affordable average rates.

Alfa Alliance vs. Auto-owners: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for insurance than women.

Generally, men see prices about $1 per month higher with Alfa Alliance, and around $11 more with Auto-owners.

Looking at overall affordability, Auto-owners comes out as the cheapest option for both genders, with average rates $10 less for men and $20 cheaper for women.

Alfa Alliance or Auto-owners: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Auto-owners generally offers slightly more affordable premiums of $99 compared to Alfa Alliance's $103. When it comes to full coverage policies with similar limits, Auto-owners again has the edge, with policies about $25 a month less expensive than Alfa Alliance, on average.

Is Alfa Alliance or Auto-owners Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Collisions and tickets will most likely raise your rates, but is Alfa Alliance or Auto-owners cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their premiums to go up an average of $23 per month if they get a ticket, while Auto-owners normally raises prices around $44 a month, on average.

However, Alfa Alliance has less expensive premiums for drivers in both categories. Drivers with a clean record can save about $14 per month and drivers with a speeding ticket can save around $35 a month with Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Alfa Alliance can expect to see about an $55 -- or around 34% -- increase in their car insurance rates. Drivers who use Auto-owners for their insurance will see a monthly bill about $47 (or 28%) more expensive after reporting a collision to their auto insurance company.

Overall, Alfa Alliance offers the most affordable prices for drivers with an at-fault accident on their records, with monthly rates averaging $162 compared to Auto-Owners Insurance's $168.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Alfa Alliance will climb your prices around 72% after a DUI, while Auto-owners's average premiums increase by just under 55%.

How does Credit Score Impact Alfa Alliance and Auto-owners Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

The reasoning car insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

So, which carrier offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alfa Alliance or Auto-owners Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a considerable impact on how much insurance carriers will charge for coverage? Usually, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly rates for Auto-owners, with policyholders who drive 6,000 miles yearly paying about $1 less every month compared to those who drive 12,000 miles each year. Still, Auto-owners is the more affordable option for drivers in both categories.

Alfa Alliance vs. Auto-owners: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a big role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these companies side-by-side, Alfa Alliance tends to offer the most affordable option for drivers in rural and urban areas, while Auto-owners wins in suburban areas.

If you live in a rural area, you can expect to save around $15 with Alfa Alliance compared to Auto-owners. Drivers in suburban ZIP codes pay about $65 less with Auto-owners compared to Alfa Alliance. In urban areas, Alfa Alliance Insurance's average premiums are around $5 less than Auto-Owners Insurance.

Alfa Alliance vs. Auto-owners Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've taken a look at all of the different discounts Alfa Alliance and Auto-owners offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Auto-owners knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Alfa Alliance.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and discounts for being a homeowner. Auto-owners also offers ABS discounts, anti-theft discounts, company car discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- intra-agency transfer discounts, mature driver discounts, and renewal discounts.

Final Thoughts: Is Alfa Alliance or Auto-owners Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the best carrier for you and your specific profile and needs?

Auto-owners might be best for you if....

• You're looking for the carrier with the most discounts.
• You want basic car insurance coverage at the state minimum limits.
• You don't spend much time in your car.

Alfa Alliance might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You've been pulled over for speeding recently.
• Your neighborhood is in a rural area.

We hope this guide has ben a valuable resource as you compare Alfa Alliance and Auto-owners and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple companies, not just Alfa Alliance and Auto-owners. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Alfa Alliance vs. Auto-owners FAQs

Is Alfa Alliance or Auto-owners cheaper?

Looking just at the national average rates, Auto-owners is the cheaper of the two companies, offering average rates of $179 per month compared to $194 for Alfa Alliance. Even so, Auto-owners won't necessarily be the lowest company for every policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Auto-owners?

Sadly, the answer truly is "it depends.". No single carrier is "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Alfa Alliance offers less expensive prices for single policyholders, while Auto-owners is more affordable for drivers who have already retired.

Why do Alfa Alliance and Auto-owners offer me different rates?

Insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Things like age, where you live, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Auto-owners calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Alfa Alliance or Auto-owners is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Alfa Alliance or Auto-owners at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.