Alfa Alliance vs. Virginia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, Virginia Farm Bureau offers significantly less expensive premiums than Alfa Alliance
• Alfa Alliance offers more discounts than Virginia Farm Bureau Insurance
• Virginia Farm Bureau offers more affordable rates for drivers who have received a ticket within the last few years

Alfa Alliance vs. Virginia Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Alfa Alliance or Virginia Farm Bureau, but which company has more affordable prices for auto insurance?

As you can see, Alfa Alliance has average rates that are about 50% per month more expensive than those from Virginia Farm Bureau when looking at the national average rates for car insurance.

Even so, that doesn't mean Virginia Farm Bureau will necessarily be less expensive than Alfa Alliance for every driver. Insurance companies vary their rates depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and tons of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Alfa Alliance or Virginia Farm Bureau is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

Alfa Alliance or Virginia Farm Bureau: Average Car Insurance Rates by State

Both Alfa Alliance and Virginia Farm Bureau only offer car insurance in Virginia, so you'll see that the average figures here will mirror the ones we mentioned above. For Virginia residents, Virginia Farm Bureau offers auto insurance for $101 per month on average. Alfa Alliance's average rates come out to be over 70% more expensive, at $194 a month.

Typically, where you live will play a hefty role in how much you pay for insurance, but since both companies only do business in Virginia, a wide array of other factors will come into play when you compare Alfa Alliance and Virginia Farm Bureau. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Virginia Farm Bureau save more than $55 a month compared to those who use Alfa Alliance.

However, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Alfa Alliance policyholders reduce nearly $40 and Virginia Farm Bureau's rates decrease over $100 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 cheapest prices out there.

So, which carrier offers the best premiums to retired drivers? Virginia Farm Bureau gets the edge here, with average prices coming in at around $91 monthly compared to Alfa Alliance's $155.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more affordable for married policyholders than they are for single drivers? This usually boils down to married couples having multiple cars on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Virginia Farm Bureau is the clear winner for those who are single, with rates about $94 per month cheaper than Alfa Alliance, on average. For married drivers, the advantage is clear again - Virginia Farm Bureau has the edge when it comes to average premiums.

Alfa Alliance vs. Virginia Farm Bureau: Average Rates by Gender

Women tend to pay less for auto insurance than men. 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.

With Alfa Alliance, women generally pay around $1 a month less than men, while with Virginia Farm Bureau, the difference is closer to $4 per month.

Looking at overall affordability, Virginia Farm Bureau comes out as the lowest option for both genders. On average, women save about $95 a month and men save about $92 with Virginia Farm Bureau compared to the average Alfa Alliance policyholder.

Alfa Alliance or Virginia Farm Bureau: 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Virginia Farm Bureau usually offers significantly less expensive prices of $66 compared to Alfa Alliance's $103. When it comes to full coverage policies with similar limits, Virginia Farm Bureau again has the edge, with policies around $150 per month cheaper than Alfa Alliance, on average.

Is Alfa Alliance or Virginia Farm Bureau 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.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their premiums to go up an average of $23 a month if they get a ticket, while Virginia Farm Bureau typically raises prices about $25 per month, on average.

But Virginia Farm Bureau is normally the more affordable option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $25 and $23 less expensive, respectively, compared to Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance drivers who get in a collision can expect to see their prices climb by $55, while those who have insurance through Virginia Farm Bureau will see around a $25 increase.

Overall, the cheaper premiums come from Virginia Farm Bureau, with monthly rates averaging $105 compared to Alfa Alliance Insurance's $162.

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 -- generally a lot more than an accident or ticket. On average, Alfa Alliance will climb your prices about 72% after a DUI, while Virginia Farm Bureau's average premiums increase by over 25%.

If you have a DUI on your record and are looking for more affordable rates, Virginia Farm Bureau tends to be the much more affordable option with average prices of $111 per month compared to $378 from Alfa Alliance.

How does Credit Score Impact Alfa Alliance and Virginia Farm Bureau Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at Alfa Alliance and Virginia Farm Bureau specifically, which one has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Virginia Farm Bureau. Policyholders with "excellent" credit can save just under 45% compared to Alfa Alliance, and those with "good" scores can also expect to see savings -- around $31 or 26% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Virginia Farm Bureau typically offers lower prices than Alfa Alliance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $31 a month less with Virginia Farm Bureau compared to Alfa Alliance, and those with "poor" scores typically save an average of around $263 monthly.

Is Alfa Alliance or Virginia Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly auto insurance bill. Usually, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing 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 Virginia Farm Bureau, with drivers who put 6,000 miles on their vehicle annually paying about $4 less each month compared to those who drive 12,000 miles yearly. Still, Virginia Farm Bureau is the more affordable option for drivers in both categories.

Alfa Alliance vs. Virginia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly car insurance cost. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Virginia Farm Bureau generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both companies, but Virginia Farm Bureau comes out on top with average rates around $78 a month. Virginia Farm Bureau also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $91 and $118 per month respective difference when compared to Alfa Alliance drivers in similar areas.

Alfa Alliance vs. Virginia Farm Bureau Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Below, we've compared all of the different discounts offered by Alfa Alliance and Virginia Farm Bureau so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, Alfa Alliance comes out ahead with 10 discounts to Virginia Farm Bureau's eight.

There are a couple discounts both carriers offer, but Alfa Alliance also offers advance quote discounts, good driving discounts, homeowner discounts, and more that Virginia Farm Bureau does not.

On the flip side, Virginia Farm Bureau has a couple unique discounts of its own -- ABS discounts, discounts for being a defensive driver, distant student discounts, and more.

Final Thoughts: Is Alfa Alliance or Virginia Farm Bureau Best for You?

So, we've broken down the average rates for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best company for you and your specific driver profile?

Virginia Farm Bureau might be best for you if....

• You have a DUI charge on your record.
• You want basic auto insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

Alfa Alliance might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Alfa Alliance and Virginia Farm Bureau and that it aids in making a more informed decision about 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 several carriers, not just Alfa Alliance and Virginia Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Virginia Farm Bureau FAQs

Is Alfa Alliance or Virginia Farm Bureau cheaper?

Looking just at the national average premiums, Virginia Farm Bureau is the less expensive of the two carriers, offering average rates of $101 a month compared to $194 for Alfa Alliance. That being said, Virginia Farm Bureau won't necessarily be the most affordable carrier for every policyholder, since there are multiple different variables that are considered when it comes to your car insurance payment.

Who is better, Alfa Alliance or Virginia Farm Bureau?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do Alfa Alliance and Virginia Farm Bureau offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the prices they charge policyholders. Things like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Virginia Farm Bureau calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Alfa Alliance or Virginia Farm Bureau is right for me?

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