Alfa Alliance vs. Main Street America: Which Company is the Best Fit for You?

Quick Facts

• In general, Alfa Alliance offers cheaper prices than Main Street America
• Alfa Alliance offers less expensive average premiums for policyholders who drive fewer than 6,000 miles annually
• Main Street America offers more affordable rates for drivers with a DUI

Alfa Alliance or Main Street America: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Alfa Alliance or Main Street America as your top options, but between the two, which carrier has more affordable premiums for auto insurance?

Looking at the national average rates for both carriers, Main Street America has average rates that are around 15% a month more expensive than those from Alfa Alliance.

However, that doesn't necessarily mean Alfa Alliance will be the cheaper option for every driver. Car insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors, so premiums will vary quite a bit from person to person.

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

Alfa Alliance vs. Main Street America: Average Car Insurance Rates by State

Alfa Alliance and Main Street America only compete against each other in Virginia, where Alfa Alliance offers the cheaper average rates. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Alfa Alliance save over 45% a month compared to those who use Main Street America.

But both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Alfa Alliance policyholders lower about $40 and Main Street America's premiums decrease around $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

When looking at Alfa Alliance and Main Street America specifically, which company is best for retired drivers? Alfa Alliance gets the edge here, with average rates coming in at about $155 a month compared to Main Street America's $181.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable insurance prices than single drivers. This usually boils down to married policyholders having several vehicles on their policy -- something several car insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Alfa Alliance premiums coming in at a quarter less than Main Street America's. It's not quite so glaring for married drivers, where drivers who use Alfa Alliance save around $2 per month.

Alfa Alliance or Main Street America: Average Rates by Gender

You may not know, but men usually pay more for auto insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Men typically pay about 1% more a month than women with Alfa Alliance, but surprisingly, with Main Street America, men generally pay around 3% per month less than women.

When it comes to the cheapest prices for each gender, Alfa Alliance comes out on top for both men and women. On average, male drivers save about $29 a month and women save about $36 with Alfa Alliance compared to the average Main Street America policyholder.

Alfa Alliance vs. Main Street America: 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, insurance can be pretty complicated. There are a variety of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Alfa Alliance has the significant edge, with average monthly premiums coming in at $103. If you want a full coverage policy with the same state minimum limits, Alfa Alliance again has the edge, with policies averaging around $286 per month to Main Street America's $295.

Is Alfa Alliance or Main Street America Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your rates, but is Alfa Alliance or Main Street America less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alfa Alliance for their auto insurance can normally expect their monthly bill to go up about 18% after getting a speeding ticket. Main Street America policyholders can expect a bit more drastic of an increase of around 26%.

Even so, Alfa Alliance is typically the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $68 and $106 less expensive, respectively, compared to Main Street America Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance drivers who get in a collision can expect to see their prices increase by $55, while those who have insurance through Main Street America will see about a $40 increase.

At the end of the day, the cheaper rates come from Alfa Alliance, with average premiums coming in at $162 compared to Main Street America Insurance's $215.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than an accident or speeding ticket. Alfa Alliance drivers usually see a 72% increase in their car insurance prices after a DUI charge, while Main Street America will generally raise rates by around 38%.

But if you end up with a DUI charge and are looking for more affordable premiums, Main Street America tends to be less expensive for the average driver, with monthly premiums coming in at about $283 to Alfa Alliance's $378.

How does Credit Score Impact Alfa Alliance and Main Street America Rates?

Did you know many insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of policyholders.

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

So, which carrier offers the best premiums for policyholders 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 Main Street America Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance payment. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

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 prices for Main Street America, with drivers who put 6,000 miles on their vehicle every year paying around $4 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Alfa Alliance is the more affordable company.

Alfa Alliance or Main Street America: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly auto insurance cost. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

When comparing these two carriers side-by-side, Alfa Alliance boasts the most affordable average rates in rural and urban areas, while Main Street America wins in suburban areas.

Those in rural areas can expect to save about 21% with Alfa Alliance compared to Main Street America. People who live in suburban areas pay around 2% less with Main Street America compared to Alfa Alliance. For policyholders in urban ZIP codes, Alfa Alliance Insurance's average prices are about 24% less than Main Street America Insurance.

Alfa Alliance vs. Main Street America Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Alfa Alliance and Main Street America offer their customers so that you can see which one can save you the most money each month.

Main Street America knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Alfa Alliance.

There are a couple discounts both companies offer, but Main Street America also offers discounts for ABS, anti-theft, defensive driver, and more.

On the other hand, Alfa Alliance has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, and intra-agency transfer discounts.

Final Thoughts: Is Alfa Alliance or Main Street America Best for You?

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each company offers, too. But, when it comes down to it, is Alfa Alliance or Main Street America the right fit for you?

Alfa Alliance might be best for you if....

• You have an at-fault collision on your record.
• You want the most robust protection via a "full coverage" policy.
• You drive often but have a short commute.

Main Street America might be best for you if...

• Your driving record includes a DUI charge.
• You care about discounts (Main Street America offers the most).
• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Alfa Alliance and Main Street America. We also hope we've given you the information you need to make the best decision when it comes to your car 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 a handful of carriers, not just Alfa Alliance and Main Street America. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Alfa Alliance vs. Main Street America FAQs

Is Alfa Alliance or Main Street America cheaper?

Alfa Alliance is the cheaper of the two carriers when looking at national average rates, with policies averaging $194 a month with Alfa Alliance and $227 for Main Street America. However, that doesn't mean Alfa Alliance will be the lowest carrier for everyone, since there are multiple different factors that come into play when it comes to your car insurance bill.

Who is better, Alfa Alliance or Main Street America?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Alfa Alliance and Main Street America offer me different rates?

Insurance companies use a lot of different variables when calculating the premiums they charge. Factors like gender, age, where you call home, your driving record, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Main Street America calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Alfa Alliance or Main Street America is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Alfa Alliance or Main Street America at all, but another you hadn't even thought of!

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.