Car insurance for an Alfa Romeo

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Italy has spent centuries cementing its place as a provider of luxury. From Versace and Gucci to the country’s leather and shoes, Italy knows top-of-the-line. But perhaps its biggest luxury export — both in terms of market share and the size of the export itself — is cars.

And Alfa Romeo has edged out a space for its vehicles, which is fairly impressive considering other luxury Italian automobile manufacturers include the likes of Ferrari and Lamborghini. But because their vehicles are so high-end, Alfa Romeo drivers need to be prepared to pay more than the national average for car insurance, which currently falls at $1,674. When car insurance companies determine rates, the make and model of the vehicle play a primary role, so car insurance for Alfa Romeos can get pricey.

How much does it cost to insure an Alfa Romeo?

The cost of auto insurance for Alfa Romeos varies between insurance carriers. While different insurance companies generally consider similar factors in setting your rates — things like your driving record, where you live, your annual mileage and the make and model of your vehicle — they weigh the factors differently.

Still, though, we can give you a ballpark idea of car insurance for Alfa Romeo cost averages. And that can be helpful because you will almost definitely need car insurance. Nearly every state requires drivers to at least carry liability insurance to pay for any damages they cause behind the wheel. And if you drive a high-end vehicle like an Alfa Romeo, you probably want coverage to protect your car itself, too.

Ultimately, everything from the amount of coverage you buy to your driving history and your car itself impacts the price of your car insurance policy. Off the bat, you should know that if you choose an Alfa Romeo, you find yourself in the category of luxury car insurance, which means paying more than the average cost of car insurance. You should also know that policy cost averages vary from model to model, so we looked at rates for the:

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

This way, whether you plan to buy an Alfa Romeo or you already drive one but you have considered switching carriers, you can know roughly where more affordable policies lie, price-wise.

Car insurance for Alfa Romeos: by model

Again, rates will vary from person to person because individually specific factors like your past tickets and accidents and how much you drive each year play a role in the cost of your policy. That said, to help you get a better handle on what you can expect to pay, here are some averages for car insurance for Alfa Romeos:

Alfa Romeo car insurance Average annual premium for minimum coverage Average annual premium for full coverage
Alfa Romeo Guilia $488 $2,446
Alfa Romeo Spider $445 $2,720
Alfa Romeo Stelvio $501 $2,106

Cheapest car insurance companies for Alfa Romeo Guilias

Clearly, insuring an Alfa Romeo is far from cheap. But we did some research to help you find the most affordable policy possible. We cross-referenced car insurance companies from our best-of ranking (which evaluates the largest providers by market share on key areas like pricing and customer service) with our list of the cheapest car insurance companies. The result is auto insurance for Alfa Romeos on the lower end of the price range.

Again, prices will vary based on the driver and their individual risk factors, but the below can give you a rough idea of the cost to insure an Alfa Romeo Guilia, their high-performance, luxury sports sedan:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $337 $1,565
Geico $401 $2,394
State Farm $396 $1,630
Erie $353 $1,261
Amica $342 $1,792

Cheapest car insurance companies for Alfa Romeo Spiders

Sports cars are a whole different beast, both in terms of their driving experience and their insurance. And the Alfa Romeo Spider is no exception. This signature two-seater delivers what you expect from a luxury sports car, like quick acceleration and high-end finishes. Plus, the latest Spiders rest on a chassis made from a single piece of carbon fiber. Partially because of all of that oomph and wow-factor, the Spider is also the priciest Alfa Romeo to insure (assuming you want full coverage; liability-only minimum coverage is fairly cheap because the Spider is so small it cannot do much damage). Take a look at the most affordable policies we could find:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $273 $1,719
Geico $386 $2,615
State Farm $425 $2,181
Erie $218 $1,160
Amica $342 $1,807

Cheapest car insurance companies for Alfa Romeo Stelvios

The Stelvio is Alfa Romeo’s luxury SUV and, like most SUVs, that means paying more for car insurance. Specifically, you should expect to pay more for your liability coverage since the larger vehicle could do more damage out on the road. In terms of full coverage, though, the Stelvio is fairly middle-of-the-road in our car insurance for Alfa Romeo cost breakdown. Here are a few of the cheapest policies we could find for Alfa Romeo’s SUV:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $361 $1,422
Geico $390 $1,712
State Farm $396 $1,567
Erie $348 $1,184
Amica $342 $1,375

Other car insurance coverage for Alfa Romeo

Above, we outlined two different policy cost averages: for minimum coverage and full coverage. What does each mean?

Minimum coverage means you carry just what your state requires. In every state except New Hampshire, that means driving with bodily injury and property damage liability insurance. The former steps in to pay medical bills if you injure someone while driving, while the latter pays for damages to their vehicle or any other property you hit with your car.

If you buy or lease an Alfa Romeo, though, you probably want some protections for your vehicle itself. Our full coverage quotes include three types of protection that can help with any loss-related repairs your Guilia, Spider or Stelvio may need. Specifically, we included:

  • Comprehensive coverage. Not all vehicle damage results from a car accident. Your car could get damaged — or even get stolen — while sitting seemingly safely in park. As a result, you might want to carry comprehensive coverage, which steps in to cover the costs resulting from everything from theft and vandalism to a tree limb falling on your Alfa Romeo.
  • Collision coverage. If another driver dings your Alfa Romeo, their liability coverage should pick up the tab. But what if you find yourself at-fault for the damage? If you back into something or cause an accident, your collision coverage can cover the resulting repairs, up to your policy limits.
  • Uninsured motorist coverage. Back to our previous example of another driver causing an accident with you. While almost all states require that drivers carry liability insurance, the Insurance Information Institute (III) estimates that more than 12 percent of drivers today hit the road without coverage. If an uninsured driver damages your Alfa Romeo, your uninsured motorist coverage can come to the rescue.

Now, you have a decent idea of the cost for auto insurance for Alfa Romeos. Before you settle on a policy, make sure it includes the optional coverages you need — like the ones we just outlined — and take the time to compare quotes from multiple insurance providers. It could save you a pretty penny so you can enjoy your Alfa Romeo with less associated expense.

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 coverages that meet 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
Kacie Goff
Personal Finance Contributor
Kacie Goff is a personal finance and insurance writer with over seven years of experience covering personal and commercial coverage options. She writes for Bankrate, The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and more. She's covered a broad range of policy types — including less-talked-about coverages like wrap insurance and E&O — and she specializes in auto, homeowners and life insurance.