Auto Insurance Comparison
Quick verdict
ALFA is essentially tied with Pekin in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| ALFA | Pekin | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.85 /5 ★★★★★ |
| Best for | ALFA Insurance is Alabama Farm Bureau's insurance arm, operating primarily in Alabama with limited presence in Georgia and Mississippi | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint |
| Read full review | ALFA review → | Pekin review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | ALFA | Pekin |
|---|---|---|
| Customer experience | 4.00 | 4.00 |
| Coverage breadth | 3.60 | 3.80 |
| Affordability | 3.90 | 3.70 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
ALFA
Full review →Pros
- Competitive auto rates in Alabama for clean records
- Strong Alabama agent network with deep state expertise
- Solid in-state customer satisfaction reputation
- Multi-line bundling discounts
Cons
- Geographic limitation — Alabama, Georgia, Mississippi only
- Farm Bureau membership required
- No online quoting — agent-distributed
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
Coverage at a glance
What each carrier offers in standard policies.
ALFA
Pekin
The bottom line
ALFA
ALFA is a solid Alabama Farm Bureau choice for in-state residents with clean records. Outside its three-state footprint, it isn't an option.
Read the full ALFA reviewPekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.