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Alfa Romeo is a luxury Italian car brand. The cost of luxury car insurance is typically more than the average cost of car insurance, which is $1,674 per year for full coverage as of 2021. However, your rates may vary based on factors like the make and model of your vehicle, your age, your claims history and your driving record. Knowing how average car insurance rates vary for each model may help you find the best insurance for your needs and budget. Models evaluated in this review include:
- Alfa-Romeo Giulia
- Alfa-Romeo Spider (discontinued in 2020)
- 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 might pay much more because insurance companies tend to charge higher premiums for insurance for luxury vehicles. The following factors may impact how much you’ll pay for Alfa Romeo insurance:
- Price of parts: Alfa Romeos are manufactured in Italy, which may make it harder to source parts and labor for repairs.
- Safety features: Newer Alfa Romeos may offer several safety features that could impact your insurance costs. These safety features include forward collision warning, lane keep assist, active blind spot assist, driver attention alert, intelligent speed control and highway and traffic jam assist. Safety features may make you eligible for discounts with certain auto insurance carriers.
Car insurance for a Alfa Romeo by model
Average 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 and claims history. The following rates by Alfa Romeo model may be useful for comparison, but your quoted premiums will likely vary.
Car insurance for Alfa Romeo Giulia
The Alfa Romeo Giulia is a luxury sedan with a top speed of 191 mph for some 2023 models. Giulia owners may see more expensive insurance premiums due to the vehicle’s high retail price and powerful engine, but safety features like forward collision warning and lane assist may help balance out rates. Compared to the average cost of car insurance, the average rate for Giulia car insurance is $772 more per year for full coverage.
|Alfa Romeo Guilia car insurance||Average annual premium|
Car insurance for Alfa Romeo Spider
The Alfa Romeo Spider was discontinued by the company in 2020, but you may still be able to find them for sale in the used vehicle market. This convertible sports car has a powerful engine and limited added safety features compared to other Alfa Romeo models. 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|
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 we analyzed. Newer Stelvios come equipped with a variety of safety features including driver attention alerts which remind drivers when it may be time to take a break during a long trip. The average full coverage premium for Stelvios luxury car insurance is $432 higher per year than the national average.
|Alfa Romeo Stelvio car insurance||Average annual premium|
Cheapest car insurance companies for Alfa Romeos
While the cost of full coverage Alfa Romeo auto insurance is typically higher than average, you may still be able to find cheap rates by comparing quotes from multiple providers. Here are average Alfa Romeo rates by model from some of the best car insurance companies. While the average rates below may be useful for comparison, keep in mind that your individual rates may vary.
Average annual premium for full coverage by model
|Car insurance company||Alfa Romeo Guilia||Alfa Romeo Spider||Alfa Romeo Stelvio|
What features impact my Alfa Romeo insurance costs?
While the average cost of full coverage Alfa Romeo insurance is high, certain safety features may be able to help bring down your costs. Several insurance providers may offer discounts if your vehicle comes with certain safety features.
The following features are commonly included in newer Alfa Romeo models:
- Parking sensors: This feature uses sensors to alert the driver if the vehicle is close to hitting an object with the front or rear bumper.
- Forward collision warning: This feature notifies the driver audibly and visually if the system detects a potential frontal collision. The vehicle may also apply brakes to avoid the collision.
- Driver attention alert: If you’ve driven for a prolonged period of time in your newer Alfa Romeo, this feature will alert you when it may be time for you to take a break to maintain attentiveness and avoid fatigue.
- Blind spot assist: This feature uses sensors to monitor for objects and other vehicles in your blind spot. If the turn signal is activated while the blind spot has an obstruction, the vehicle will alert the driver.
- Lane keep assist: This safety feature monitors lane markings and vehicle positioning. If the Alfa Romeo moves too close to the lane markings, it will provide audio and visual alerts. Lane keep assist may also adjust vehicle position to prevent lane departure.
- Intelligent speed control: Speed control cameras and scanners check for traffic sign markers to recommend speed adjustments if necessary.
Other car insurance coverage for an Alfa Romeo
Nearly every state requires residents to purchase a minimum amount of car insurance to drive legally. Most insurance experts recommend purchasing additional coverage types and higher coverage limits if you can afford to do so. This may include full coverage insurance, which includes collision and comprehensive car insurance. If you lease or loan your vehicle, you may be required to carry full coverage.
You may also want to consider your individual needs when it comes to choosing a car insurance policy. You might consider purchasing roadside assistance, which may offer support if you get a flat tire or run out of fuel. 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 if the vehicle is totaled or stolen and unrecoverable.
Frequently asked questions
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.