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Auto Insurance Discounts

Your auto insurance policy offers a variety of discounts to help you save money on your policy. From policy discounts to good driving habits, here are some ways you can cut down on car insurance costs.

Explore all available discount options

Policy Discounts

We value your relationship with us. That’s why customers with multiple Alfa® policies may receive a relationship discount. The more policies you have, the greater the amount of the discount.

Customers with the following qualifying policies may be eligible for our relationship discount:

  • Multi-Car

    Two or more private passenger vehicles on one policy with Alfa

  • Life Insurance

    Customers with a qualifying Alfa life insurance policy receive a discount. The more life insurance policies you have, the greater the amount of the discount. Some exclusions apply.

  • Umbrella

    Customers with a qualifying personal, commercial, and farm umbrella policy receives a discount. Some exclusions apply.

  • Home Ownership

    Customers who provide evidence they own their home receive a discount.

Driver Education

Steering Wheel

Defensive Driver Discount

You may be qualified to save even more on your premium if you’ve taken a defensive driving course or a qualified Motor Vehicle Accident Prevention Course.* 

*You must have a clean driving record for three years and re-qualify every three years. You have to be 55 or older to participate in Alabama and Mississippi. In Georgia, there is not an age limit; however, you may not receive this discount in conjunction with the driver training discount.

As a membership benefit of the Alabama Farmers Federation, Alabama residents get a discounted rate for the Safe Driver Defensive Driving Course through


Youth Honor Student

Driver must be a full-time student (12 hours or more) with a 3.0 GPA or higher. Scholastic records must be provided.

Unmarried drivers ages 16 to 24 years old with evidence of qualifying grades may receive a discount.


Driver Training Discounts

Drivers ages 16 to 20 years old may receive a discount when they successfully complete an acceptable driver education course. This discount cannot be given in addition to the Youth Defensive Driving Discount, and other exclusions may apply.

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Youth Defensive Driving/Safety Discount

We give qualifying, unmarried drivers ages 16 to 20 years old a discount for passing the Youth Defensive Driver or Youth Safety Test. This discount cannot be given in conjunction with any other driver training discounts.

Youth Defensive Driver Test: Alabama | Mississippi

Youth Safety Discount Test: Georgia

Occupational Discounts

Occupational Discounts for Educators

Because children are our future, it takes special people to touch their lives and encourage them to become responsible, educated adults. Alfa Insurance® applauds our teachers for making a difference in every child’s life, and we’re proud to offer a teacher discount to those who impact the children of today for tomorrow’s future.


  • Must be a full-time teacher or professor employed by a public, private or vocational school, or a college or university
  • Available in Alabama and Mississippi

Military & First Responders

Being a member of the military or a first responder is an immense responsibility. While others run away from disaster and destruction, you answer the call for aid. While you’re busy protecting our country, putting out fires, rescuing others, navigating floods or whatever other obstacles your job throws at you, let us handle your auto insurance.


  • Must be an active military personnel, firefighter, law enforcement or first responder in Alabama or Mississippi
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State or Federal Employees

Being a government or state employee is no easy job and is hard to define when it comes to job descriptions — do you work for the Department of Transportation or the CIA? No matter what position you hold, we’ll offer you a discount. We take pride in offering an affinity discount to those who protect and preserve our state and country.


  • Must be currently employed by the state or federal government in Alabama or Mississippi
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Auto Manufacturer Employees

Your work keeps us on the road, and the auto manufacturing industry brings a major economic impact to the state of Alabama. As a thank you, auto manufacturer employees may receive an affinity discount.


  • Must be currently employed by an auto manufacturer in Alabama
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A job in ministry involves a lot of driving, moving from one place to another in service to the society. Whether you’re involved in planning memorials, officiating a wedding or conducting prayers for the sick, we appreciate what you do to make a difference in the lives of others

  • Full-time ministers who pastor a place of worship and have no other occupation will be given a discount on their insurance for the vehicle used in their ministry only
  • Full-time ministers of music with no other occupation will be given a discount on the vehicle they use in their ministry
  • Available to ministers in Alabama and Mississippi
praying hands


Agriculture is one of the most important industries in the United States. After all, America is fed and fueled by farmers, ranchers and producers. It involves a lot of hard work and it’s not without risks. At Alfa®, we understand your business and can help you save on your auto insurance by providing a discounted rate to farmers.


  • The vehicle must be owned by an active farmer, principally garaged on a farm
  • The policyholder must derive income from the farm operation
  • The farmer must live on the farm and be regularly employed by only one farm business
  • Retired farmers must be currently insured with Alfa upon retirement in order to maintain farm rates
  • Available to Alabama and Mississippi farmers

Safety Features Discounts

  • Air bags

    You could receive up to a 25 percent discount if your vehicle is equipped with air bags. This discount is applied to the medical payment coverage portion of your auto insurance premium.

  • Anti-theft devices

    Vehicles with an anti-theft system could receive up to a 10 percent discount on the comprehensive portion of your insurance premium. Ask your agent today about what types of devices qualify for this discount.

*Discounts vary based on rating structure. Contact your agent for more details.

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