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Alfa Romeo Insurance - Introduction

Alfa Romeo is a car make from Turin, Italy. The brand has been offering well-built and efficient cars since the time of its inception, including sports cars.

Alfa Romeo insurance rates are highly dependent on various driving and non-driving factors, the model and make of the car being the major factors among these. Statefarm, Erie, Amica, and USAA are cheaper companies to insure your Alfa Romeo with.

Key Takeaways

  • The luxury status, foreign make, and the driving and non-driving factors play an equal role in influencing the insurance rates of Alfa Romeo cars.
  • The average rate to insure an Alfa Romeo is $2503 annually. However, the rates can increase with the upgraded models and the exotic models introduced by the brand.

How much does it cost to insure an Alfa Romeo?

The insurance rates for a luxury vehicle are determined not only by the luxury factor but also by the vehicle's horsepower and market value. The higher the horsepower, the higher the chance of speeding and accident. This increases the car's value, making it more expensive to repair and consequently increasing insurance rates.

It costs $2503 annually on average to insure an Alfa Romeo model.

Where can I find cheap Alfa Romeo insurance?

To protect your Alfa Romeo, you need to insure it to avoid sudden out-of-pocket expenses. Though insuring your Alfa Romeo models can be costlier than the non-luxury counterparts available in the market, there are several insurance providers that provide affordable insurance rates for Alfa Romeo models.

For the different models available in North America, USAA, Erie, Amica, and State Farm provide affordable rates.

Cheapest Car Insurance Companies for Alfa Romeo

Company Alfa Romeo Giulia Alfa Romeo Giulia Quadrifoglio Alfa Romeo 4C Alfa Romeo Spider Alfa Romeo Stelvio
USAA $1571 $1775 $1208 $1725 $1571
State Farm $1636 $2199 $1005 $2187 $1573
Erie $1267 $1401 $1661 $1190 $1166
Amica $1798 NA $2015 $1381 $1812

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Alfa Romeo Car Insurance Cost According to Models

Typically, luxury car insurance costs more than standard car insurance. Considering that auto insurance is meant to protect your car, the high cost of a luxury car ultimately results in higher premiums. Among the models surveyed, Alfa Romeo Quadrifoglio has the highest annual premium rates.

Model Average Annual Premium
Alfa Romeo 4C $2598
Alfa Romeo Giulia $2355
Alfa Romeo Quadrifoglio $3376
Alfa Romeo Spider $2726
Alfa Romeo Stelvio $2112

Alfa Romeo Car Insurance Cost According to Model and Coverage

The insurance rates can vary according to the model and the coverage option you choose for your car. Analyzing the major models, it might seem like minimum coverage will be easy on your pockets, but, considering the value of the models, it is advisable to opt for full coverage.

The full coverage rates of the models analyzed here are greater than the national average. This works the same even for Alfa Romeo Stelvio, a mid-luxury SUV from the brand. The full coverage rate for this model is $432 higher than the national average.

Model Minimum Coverage Full Coverage
Alfa Romeo Spider $451 $2726
Alfa Romeo Stelvio $507 $2111
Alfa Romeo Giulia $493 $2451

Other Car Insurance Coverage for Alfa Romeo

Coverage What does it do?
Bodily Injury Liability This minimum liability coverage will cover the damage associated with the injuries caused to a third party.
Property Damage Liability The expense of the damages and the repair you are accountable for in an accident is covered by this minimum coverage.
Uninsured and underinsured motorist coverage This minimum coverage proves to be useful in an accident involving an uninsured motorist.
Personal Injury Protection An optional minimum coverage but significant for luxury car owners, which covers you and your passengers' medical bills in the event of an accident, given the increased risk of injury from a car crash that comes with high-powered vehicles.
Comprehensive Coverage This full coverage takes care of the expenses of repair from accidents regardless of who is at fault.
Collision Coverage This will fully cover the expense of repair or replacement for damage caused by fire, weather, vandalism, or even theft.
GAP Insurance In the case of a damaged or stolen car, this can pay the outstanding amount.
OEM Replacement Parts When under repair after an accident, this will ensure that the replacement is done with original parts.
Roadside Assistance Coverage An optional option by many insurance providers, this will assist you with towing or battery replacement in an emergency.
New Car Replacement Coverage Recent models which are insured under this are eligible for the payment of a new car if your car is stolen or totaled within a timeframe.

Cost of Insuring Your Alfa Romeo Based on Driving Record and Age

The insurance costs for young drivers are often higher than those for older drivers because they are considered high-risk drivers. To avoid premium hikes, it's crucial to have a flawless driving record. If you have received citations for driving violations such as speeding or driving under the influence of alcohol, or causing an accident, you may be classified as a high-risk driver. These are the standard rates for the insurance premium, which are determined by your driving record.

Age Speeding Ticket Serious Offence Clean Record
21-24 $2498 $2130 $3165
25-34 $2761 $1339 $2388
35-44 $2158 $2973 $2103
45-54 NA NA $1894
55-64 NA NA $1001

Alfa Romeo Car Insurance Rates by State

Your place of residence is a non-driving factor that has a major influence on your insurance rates. The percentage of accidents, theft, and parking spaces in your locality determine the risk of the place and hence the insurance rates.

State Average Annual Rate State Average Annual Rate
Arizona $3028 North Carolina $2242
California $3911 Ohio $1680
Colorado $1734 Oregon $3126
Florida $2576 Pennsylvania $2740
Georgia $2555 Rhode Island $3606
Illinois $1891 Texas $2890
Indiana $1206 Utah $2006
Maine $5100 Virginia $2052
Montana $2406 Washington, D.C. $3642
New Jersey $3733 Wisconsin $1686
New York $4210    

What impacts the insurance costs of your Alfa Romeo?

The luxury tag of Alfa Romeo is a reason for the high insurance rates for its models. However, there are several factors that influence the insurance rates of the Alfa Romeo models. The safety features that it has can be used to moderate the insurance rates.

Safety Features

  ●  Electronic Stability Control

This will allow you to stabilize your vehicle in case a loss of control occurs. It will stabilize the car by avoiding an accident. A reduced crash rate calls for a reduced insurance premium rate.

  ●  Driveline Traction Control and ABS

In instances when the car tends to lose traction on the road, this feature activates to stop the wheels from spinning, thereby having control over potential accidents which can otherwise occur due to acceleration.

  ●  Side Impact Beams

As the name suggests, this feature of an Alfa Romeo protects the car and passengers during a side collision. Being a unique safety feature, insurance companies give discounts on premiums.

  ●  Back-up Cameras

Back-up cameras are helpful because they provide the driver with a more comprehensive view of the area immediately behind the vehicle. Since back-up cameras are so effective, your auto insurance company might be willing to give you a discount if you have one in your car.

  ●  Full Speed Forward Collision Warning

This will send voice alerts as well as visual alerts during a probable chance of frontal collision.

  ●  ParkSense Rear Parking Sensors

This makes use of the sensors present in the car to alert the driver in case of close chances of collisions. The rear accidents can be avoided with these sensors, making you eligible for discounts.

Model and Make of your Alfa Romeo

Being a foreign luxury car brand, the insurance rates of Alfa Romeo are naturally higher. However, there is variation in insurance rates within the brand due to the difference in specs of each of the models.

Driving Record, Age, and  Location

As already mentioned, the flaws in your driving record will be reflected in your insurance premium rates. If you are categorized as a high-risk driver based on your driving record or age, then the premium rates for your Alfa Romeo will be higher than the projected average annual premium rates.

Is it expensive to buy insurance for an Alfa Romeo?

If we compare the prominent luxury car models, it is obvious that the insurance rates for Alfa Romeo are higher than that of others. One of the reasons is its Italian make. Comparing the insurance rates with the popular car brands, we see that the rates are similar to the popular brands like Honda and Chevrolet but lesser than luxury brands like Mercedes, Lexus, and Land Rover.

Insurance Rates of Alfa Romeo v/s Other Popular Car Brands

Name of the Brand Average Insurance Cost
Chevrolet $2618
Dodge $2972
Ford $2093
GMC $3616
Honda $2157
Hyundai $1999
Jaguar $3016
Jeep $1863
Kia $2643
Land Rover $3514
Lexus $3623
Mazda $3101
Nissan $3671
Subaru $3290
Tesla $3953
Toyota $2138
Volkswagen $2350
Mercedes $4207
Alfa Romeo $2503

Insurance Rates of Alfa Romeo v/s Other Luxury Car Brands

Name of the Brand Average Insurance Cost
Volvo $1660
Lexus $4656
Cadillac $2091
BMW $4055
Audi $3417
Acura $1764
Mercedes $4207
Alfa Romeo $2503

Which are the cheapest Alfa Romeo models to insure?

The models with cheaper insurance rates are those belonging to the midsize luxury category.

Cheapest Alfa Romeo Models to Insure for 2022

Model Average Annual Rate
Alfa Romeo Giulia $2355
Alfa Romeo Stelvio $2112

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Which are the expensive Alfa Romeo models to insure?

The cost of the parts, the unique features, and the size of the car all tend to complement the higher premium rates of these high-end models from Alfa Romeo.

Expensive Alfa Romeo Models to Insure for 2022

Model Average Annual Rate
Alfa Romeo Quadrifoglio $3376
Alfa Romeo Spider $2726
Alfa Romeo 4C $2598

The History of Alfa Romeo

Anonima Lombarda Fabricia Automobili or ALFA is a result of an early acquisition of the Società Italiana Automobili Darracq, founded in 1906. Acquired by Ugo Stella, this Italian company was founded in June 24, 1910. Right from Alfa Grand Prix, this automobile line made sure that it came up with unique features.

The first world war posed a challenge to the growth of the company. However, what had become Alfa Romeo Milano had been rechristened as Alfa Romeo. Legendary designs, racers, and launches still define Alfa Romeo. They continue to make their mark with sports sedans, coupes, and SUVs. The brand has also announced to be all-electric by 2027.

Alfa Romeo Current Market Statistics

The projected revenue of Alfa Romeo for the year 2022 is $2764 million. Though it is projected to generate the most revenue from Italy, its home market, the launch of SUVs for the ardent Alfistas in North America expects further growth in the country. After its reintroduction in 2014, the brand has seen steady sales of more than 1200 units every month.

How to get Alfa Romeo Insurance with Way.com

To reward yourself with a better price on your insurance rates, it is better to research and compare the quotes from different providers for luxury car insurance rates.

With Way.com, analysis of insurance rates is easier. Better rates are provided based on criteria that will surely influence your insurance coverage experience, financial strength, customer service, and protection.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is insurance high for Alfa Romeo?

Alfa Romeo is more expensive to insure than its less expensive contemporaries because it is a luxury brand. Alfa Romeo's insurance costs are much higher when compared to other brands like Lexus.

How expensive is Alfa Romeo maintenance?

The luxury tag that makes Alfa Romeo unique is the main reason for its high maintenance. This, along with the high price of the parts and the high insurance rates, makes it expensive to maintain.

How much does it cost to insure an Alfa Romeo?

It costs $2503 annually on average to insure an Alfa Romeo model. The make and model of your Alfa Romeo, and your driving history, are all factored in when you consider buying an insurance premium for your Alfa Romeo.

How much does it cost to insure an Alfa Romeo Stelvio?

The average annual premium for an Alfa Romeo Stelvio is $2112.

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