Car insurance for an Alfa Romeo


Alfa Romeo is an Italian luxury car brand. While the national average cost for comprehensive car insurance is $1,674 per year, the cost of insuring an Alfa Romeo is generally higher because it is a luxury brand. But the cost of your personal auto insurance depends on many factors, not just the make and model of the vehicle you drive. Car insurance companies typically take into account 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 Alfa Romeo insurance cost?

While the national average cost for comprehensive car insurance is $1,674 per year, Alfa Romeo drivers can expect to pay more. Why? Luxury and sports vehicles like many Alfa Romeo models tend to be much more expensive to insure.

The following features generally affect how much you will pay for vehicle insurance:

  • Coin prices: Alfa Romeos are notoriously expensive to maintain, in part because foreign vehicles have more expensive parts than US-built vehicles. Additionally, Alfa Romeos are expensive luxury vehicles, which is reflected in the price of parts.
  • Safety devices: Alfa Romeos are equipped with several top-notch safety features, including electronic stability control, rear view camera, airbag occupancy sensor, collision mitigation, side impact beams, transmission 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 security features, you may be able to register.

Car insurance for an Alfa Romeo: by model

Alfa Romeo insurance costs vary by model. Keep in mind, however, that auto insurance rates also vary based on personal characteristics such as driving history, zip code, age, gender, and credit score. Although your auto insurance premium will depend on these personal factors, the following rates by Alfa Romeo model may be useful for 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 insurers generally 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 comprehensive 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 mid-size 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 per year higher than the national average.

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

The cheapest car insurance companies for Alfa Romeo

Although the cost of comprehensive Alfa Romeo insurance is usually much higher than average, it is still possible to find good deals. Through an objective analysis of the largest car insurance providers by market share, the Bankrate team has identified the following providers as the cheapest companies for Alfa Romeo drivers.

To ensure you get great service for your money, we’ve chosen only the best car insurance companies on the market. While the average rates below may be useful for comparison purposes, 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 per 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

Although the average cost of Alfa Romeo insurance is high, there are certain safety features that can help keep the cost down. Many insurance companies offer discounts if your vehicle has certain safety features.

The following features are commonly found in Alfa Romeo models:

  • Electronic stability control: This system detects when your vehicle is losing grip and is at risk of spinning. 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 transmission traction control: This function prevents the wheels from spinning while the vehicle is accelerating to prevent the vehicle from losing traction. This technology aims to limit accidents and can help you save on your car insurance.
  • Side impact beams: This feature is a protective layer intended to absorb energy and protect passengers in the event of a side collision. Some insurers may offer discounts for cars that have this feature.
  • ParkSense rear parking sensors: This feature uses four sensors to alert the driver if the vehicle is about to back into an object. These sensors are intended to reduce rear-end accidents and may result in lower car insurance rates.
  • Full Speed ​​Forward Collision Warning: This function warns the driver audibly and visually if the vehicle is in danger of a frontal collision. If your vehicle has this feature, your auto insurance provider may offer you a discount.
  • Reversing camera: According to the National Highway Traffic Safety Administration, approximately 18,000 injuries result each year from backing accidents. Backup cameras can help by giving the driver a more in-depth view of objects behind their vehicle. Considering the effectiveness of backup cameras, your car insurance company may be willing to offer you a discount.

Other car insurance coverage for an Alfa Romeo

Every state except New Hampshire and Virginia requires its residents to carry at least a minimum amount of liability insurance. You can check the minimum auto insurance requirements in your state. However, most insurance experts recommend getting comprehensive insurance, which combines collision damage waiver and comprehensive auto insurance. Comprehensive 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 car insurance needs. 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 can be towed. If you drive for Uber or Lyft, you might want to consider ride-sharing insurance. If you’re driving a new vehicle that’s financed or leased, you might want to consider gap insurance, which pays the difference between what you owe on your vehicle and its value.

Methodology

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

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

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

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

These are sampling rates and should only be used for comparison purposes.

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