Coffey Agencies — Local Insurance Across Alabama & Georgia

Your Local Insurance Agency in Alabama & Georgia

Coffey Agencies has been protecting families across Alabama and Georgia since 2009. Founded by Cody Coffey in Centre, Alabama, our agency grew to include a second office in Rome, Georgia in 2012. Today, our team of licensed insurance professionals brings over 100 years of combined experience to every policy we write. We are fully licensed in both states — Alabama Resident Agency License #416438 and Georgia Non-Resident Agency License #149612 — and serve thousands of families from rural communities to metro areas.

What started as a one-person office has grown into a trusted agency with two locations, a team of dedicated professionals, and a 4.7-star Google rating across 200+ reviews. We are not a call center or a faceless website. When you call Coffey Agencies, you reach a real person who knows your name, understands your coverage, and advocates for you when it matters most.

Comprehensive Coverage for Every Stage of Life

Whether you are a first-time renter, a new homeowner, or a powersports enthusiast with a garage full of motorcycles and ATVs, Coffey Agencies has coverage designed for your life. We offer auto insurance, home insurance, renters insurance, condo insurance (HO-6), life insurance, motorcycle insurance, boat insurance, ATV and UTV insurance, mobile home insurance, and comprehensive powersports packages.

Alabama and Georgia both require minimum auto liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. But minimum coverage is not always enough — our agents help you understand the gaps and build a policy that truly protects your family. Bundling your home and auto insurance together typically saves 15-25%, which translates to up to $600 per year for most families while simplifying your coverage into one policy, one renewal date, and one point of contact.

Bilingual Insurance Services — Hablamos Español

Coffey Agencies is proud to serve Spanish-speaking families throughout Alabama and Georgia. Our bilingual team members can assist you with insurance quotes, policy explanations, coverage changes, and claims support entirely in Spanish. We believe every family deserves to understand their insurance coverage in the language they are most comfortable with — no confusion, no miscommunication, just clear answers and honest guidance.

Coffey Agencies ofrece servicios completos de seguros en español para familias en Alabama y Georgia. Nuestro equipo bilingüe puede ayudarle con cotizaciones de seguro de auto, casa, vida, motocicleta, y más. Entendemos que el seguro puede ser confuso — por eso explicamos cada opción de cobertura en español claro y sencillo, sin jerga ni letra pequeña. Llámenos al (256) 927-6287 para una cotización gratuita — sin compromiso, sin presión, solo respuestas honestas.

What Our Insurance Policies Cover

Auto insurance from Coffey Agencies covers liability, collision, comprehensive, uninsured and underinsured motorist protection, medical payments, and roadside assistance. Whether you drive a daily commuter, a pickup truck on rural highways, or a luxury SUV through metro traffic, we build a policy that matches your driving habits and budget.

Home insurance protects your dwelling, personal property, liability, loss of use, and additional structures like detached garages, sheds, and fences. For Alabama families, we pay close attention to wind and hail coverage given the state's severe storm season. Georgia homeowners near the coast or in flood-prone areas receive guidance on supplemental flood policies. Renters insurance starts as low as $8 per month and covers personal belongings, liability, and temporary housing if your apartment becomes uninhabitable. Condo insurance (HO-6) fills the gaps between your HOA master policy and your personal belongings inside the unit.

Life insurance options include term life for affordable temporary coverage, whole life for permanent protection with cash value accumulation, and final expense policies designed for seniors who want to cover burial costs without burdening their families. Policies start as low as $25 per month depending on age and health. Our specialty lines cover motorcycles, boats, ATVs, UTVs, side-by-sides, golf carts, and mobile homes — all with multi-vehicle discounts when you bundle with your auto or home policy.

Why a Local Insurance Agency Matters

When you buy insurance online or through an 800-number, you get a policy — but you do not get a person. At Coffey Agencies, every policyholder has a named agent and a local team who knows their coverage inside and out. When severe weather strikes your neighborhood, you are not waiting on hold with a national call center. You are calling the same office that wrote your policy, and we are already working on your claim before you finish the call. Local agencies handle claims faster because we know the adjusters, the contractors, and the community.

Local also means accountability. Our team lives in the same communities we serve — we see our clients at the grocery store, at Friday night football games, and at church on Sundays. That kind of relationship means we treat every policy like our reputation depends on it, because it does. We review your coverage annually to make sure you are not overpaying or underinsured, and we proactively reach out when rate changes or new discount opportunities become available.

Deep Roots in Alabama & Georgia Communities

Coffey Agencies understands the insurance needs specific to our region because we have lived here for decades. Alabama's tornado alley, Georgia's summer thunderstorms, and the unique risks of rural properties versus suburban subdivisions all require different coverage strategies. We know which zip codes face higher auto theft rates, which neighborhoods have older roofing materials that affect home insurance premiums, and which lake communities need specialized watercraft coverage. This local knowledge translates directly into better policy recommendations and fewer surprises at claim time.

Our team tailors every policy to the specific risks and opportunities in your area — whether that means lake communities needing watercraft coverage, rural properties facing unique storm risks, or suburban families looking for multi-policy discounts. With over 16 years of claims advocacy experience, we know how to fight for our clients when it matters most. Visit our service areas page for localized insurance guidance in your community, because cookie-cutter coverage does not protect real families.

Trusted by Alabama & Georgia Families Since 2009

Choosing an insurance agency is a decision built on trust. Here is why over 200 families have left us 5-star reviews: we answer the phone, we call you back, and we fight for you when you have a claim. Coffey Agencies holds an A+ rating from the Better Business Bureau and is licensed to sell property and casualty insurance in both Alabama and Georgia. Our team includes licensed producers, experienced customer service representatives, and a bilingual staff ready to serve you in English or Spanish.

From our Centre, Alabama headquarters at 1913 W Main Street to our Rome, Georgia office at 1703 Turner McCall Blvd SE, every member of our team shares the same commitment: making insurance personal, straightforward, and local. Whether you need a quick auto quote, a comprehensive home policy review, or help filing a claim after a storm, we are here for you — Monday through Friday and available online 24/7 for quote requests.