Car insurance for an Alfa Romeo

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Alfa Romeo is a luxury Italian car brand. While the national average cost of full coverage car insurance is $1,674 per year, the cost of insuring an Alfa Romeo is typically higher, since it’s a luxury brand. But the cost of your individual car insurance is based on several factors, not just the make and model of vehicle you drive. Car insurance companies typically factor in characteristics such as your driving history and ZIP code, and sometimes your age, gender and credit history.

Models included in this review:

  • Alfa-Romeo Guilia
  • Alfa-Romeo Spider
  • Alfa-Romeo Stelvio

How much does it cost to insure an Alfa Romeo?

While the national average cost of full coverage car insurance is $1,674 per year, Alfa Romeo drivers can expect to pay more. Why? Luxury and sport vehicles like many Alfa Romeo models tend to be much pricier to insure.

The following characteristics typically impact how much you’ll pay for your vehicle’s insurance:

  • Price of parts: Alfa Romeos are notoriously expensive to maintain, in part because foreign vehicles have more expensive parts than vehicles built in the United States. In addition, Alfa Romeos are expensive luxury vehicles, which is reflected in the price of parts.
  • Safety features: Alfa Romeos come equipped with several top-notch safety features, including electronic stability control, back-up camera, airbag occupancy sensor, collision mitigation, side impact beams, driveline traction control and ParkSense rear parking sensors. Many car insurance companies offer car insurance discounts for driving a vehicle equipped with safety features. If your Alfa Romeo contains certain safety features, you may be able to save.

Car insurance for a Alfa Romeo: by model

Alfa Romeo insurance costs vary based on model. Keep in mind, however, that car insurance rates also vary based on personal characteristics such as driving history, ZIP code, age, gender and credit score. While your car insurance premium depends on these personal factors, the following rates by Alfa Romeo model may be useful for the sake of comparison.

Car insurance for Alfa Romeo Guilia

The Alfa Romeo Guilia is a luxury sedan with expensive, foreign-made parts. For these reasons, auto insurance for Alfa Romeo Guilias costs an average of $772 more per year than the national average.

Alfa Romeo Guilia car insurance Average annual premium
Minimum coverage $488
Full coverage $2,446

Car insurance for Alfa Romeo Spider

The Alfa Romeo Spider is a luxury sports car. Since sports cars are made for speed, car insurance providers typically assume that their drivers are more likely to engage in risky activities on the road. As a result, Spider drivers pay an average of $1,046 more per year for their full coverage insurance than the national average.

Alfa Romeo Spider car insurance Average annual premium
Minimum coverage $445
Full coverage $2,720

Car insurance for Alfa Romeo Stelvio

The Alfa Romeo Stelvio is a midsize luxury SUV. As an SUV and not a sports car, the Stelvio has slightly lower average car insurance premiums than other Alfa Romeo models. However, as a foreign luxury vehicle, the average full coverage premium for Stelvios is $432 higher per year than the national average.

Alfa Romeo Stelvio car insurance Average annual premium
Minimum coverage $501
Full coverage $2,106

Cheapest car insurance companies for Alfa Romeos

While the cost of full coverage Alfa Romeo insurance is typically much higher than average, it’s still possible to find good deals. Through an objective analysis of the largest car insurance providers by market share, Bankrate’s team identified the following providers as the cheapest companies for Alfa Romeo drivers.

To make sure you’re getting great service for your money, we only chose from the best car insurance companies on the market. While the average rates below may be useful for comparison, keep in mind that your individual rates will depend on factors such as your driving history, age, ZIP code, gender and credit history.

Average annual premium for full coverage by model

Car insurance company Alfa Romeo Guilia Alfa Romeo Spider Alfa Romeo Stelvio
Amica $1,792 $1,375 $1,807
Erie $1,261 $1,184 $1,160
Geico $2,394 $2,615 $1,712
State Farm $1,630 $2,181 $1,567
USAA $1,565 $1,719 $1,422

Alfa Romeo features that impact insurance costs

While the average cost of Alfa Romeo insurance is high, certain safety features may be able to help bring down costs. Several insurance providers offer discounts if your vehicle comes with certain safety features.

The following features are commonly featured in Alfa Romeo models:

  • Electronic stability control: This system detects when your vehicle loses traction and is in danger of spinning out. The system can use automatic braking to stabilize your vehicle and potentially avoid an accident, which could help lower your car insurance costs.
  • ABS and driveline traction control: This feature prevents the wheels from spinning while the vehicle is accelerating to prevent the vehicle from losing traction. This technology is meant to limit accidents, and may help you save on your car insurance.
  • Side impact beams: This feature is a protective layer that is meant to absorb energy and protect passengers in the event of a side collision. Some insurance providers may offer discounts for cars that possess this feature.
  • ParkSense rear parking sensors: This feature uses four sensors to alert the driver if the vehicle is close to backing into an object. These sensors are meant to decrease rear accidents, and may result in lower car insurance rates.
  • Full speed forward collision warning: This feature notifies the driver audibly and visually if the vehicle is in danger of a frontal collision. If your vehicle has this feature, your car insurance provider may offer you a discount.
  • Back-up camera: About 18,000 injuries result from backover crashes every year, according to the National Highway Traffic Safety Administration. Back-up cameras can help by giving the driver a more thorough view of the objects behind their vehicle. Given the efficacy of back-up cameras, your car insurance provider may be willing to offer you a discount.

Other car insurance coverage for an Alfa Romeo

Each state except New Hampshire and Virginia require their residents to purchase at least a minimum amount of liability insurance. You can check the minimum car insurance requirements in your state. However, most insurance experts recommend purchasing full coverage insurance, which combines collision and comprehensive car insurance. Full coverage insurance is more likely to protect your finances in the event of an accident, and prevent you from having to pay damages out-of-pocket.

You may also want to consider your individual needs when it comes to car insurance. Do you live in a remote area or drive an unreliable vehicle? You may want to consider purchasing roadside assistance, which can give you peace of mind knowing that if you run out of gas or break down, you’ll be able to get a tow. If you drive for Uber or Lyft, you may want to consider rideshare insurance. If you drive a new vehicle that is financed or leased, you may want to consider gap insurance, which pays the difference between what you owe on your vehicle and how much it’s worth.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Alfa Romeo of the following model types, commute five days a week and drive 12,000 miles annually:

  • Alfa-Romeo Guilia
  • Alfa-Romeo Spider
  • Alfa-Romeo Stelvio

These are sample rates and should only be used for comparative purposes.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor