When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Alfa-Romeo car insurance is $3,611 a year or $301 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Alfa-Romeo is $3,611 per year.
- The Tonale is the cheapest Alfa-Romeo model to insure.
- Advanced safety features that come standard on Alfa-Romeo models help lower your insurance costs.
Average cost of car insurance for a Alfa-Romeo, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Alfa-Romeo car insurance rates by insurance company.
Cost to insure a Alfa-Romeo, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,722 | $1,361 | $227 |
| State Farm | $2,747 | $1,373 | $229 |
| GEICO | $3,032 | $1,516 | $253 |
| Nationwide | $3,168 | $1,584 | $264 |
| Progressive | $3,476 | $1,738 | $290 |
| Farmers | $4,884 | $2,442 | $407 |
| Allstate | $5,403 | $2,701 | $450 |
| USAA | $2,442 | $1,221 | $203 |
Alfa-Romeo average insurance rates, by model
Alfa-Romeo Tonale car insurance cost
Car insurance costs $275 per month or $3,303 a year on average for a Alfa-Romeo Tonale, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for Alfa-Romeo Tonale among the companies analyzed. Its average annual cost for a Alfa-Romeo Tonale is $2,390 or $199 per month.
Alfa-Romeo Stelvio car insurance cost
The average car insurance premium for Alfa-Romeo Stelvio is $286 per month, which translates to $3,434 per year. The most affordable company for a Alfa-Romeo Stelvio is Travelers with a rate of $192 monthly or $2,305 per year.
Alfa-Romeo Giulia car insurance cost
The average car insurance premium is $320 per month, which adds up to $3,834 each year for a Alfa-Romeo Giulia. State Farm is the cheapest car insurance company, with a monthly rate of $240 , which translates to an annual cost of $2,882 .
Alfa-Romeo NA car insurance cost
Car insurance costs an average of NA per month, which adds up to NA a year for a Alfa-Romeo NA. Among the companies analyzed, NA stands out as the most affordable option, at an average annual cost of NA or NA per month.
Insurance rates by car model
The average cost of car insurance for a Alfa-Romeo, by driver age
Your age is an important rating factor in determining your Alfa-Romeo car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Alfa-Romeo by the driver’s age.
Cost to insure a Alfa-Romeo, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Alfa-Romeo Giulia | $12,650 | $6,325 | $1,054 |
| 18 | Alfa-Romeo Stelvio | $11,244 | $5,622 | $937 |
| 18 | Alfa-Romeo Tonale | $10,663 | $5,332 | $889 |
Cost to insure a Alfa-Romeo, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Alfa-Romeo Giulia | $3,834 | $1,917 | $320 |
| 40 | Alfa-Romeo Stelvio | $3,434 | $1,717 | $286 |
| 40 | Alfa-Romeo Tonale | $3,303 | $1,651 | $275 |
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Alfa-Romeo car insurance rates by state
When it comes to insuring your Alfa-Romeo, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Alfa-Romeo car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,909 | $1,455 | $242 |
| Alabama | $3,089 | $1,545 | $257 |
| Arkansas | $3,403 | $1,702 | $284 |
| Arizona | $2,941 | $1,471 | $245 |
| California | $4,131 | $2,065 | $344 |
| Colorado | $4,413 | $2,207 | $368 |
| Connecticut | $3,127 | $1,564 | $261 |
| Washington, D.C. | $3,698 | $1,849 | $308 |
| Delaware | $2,963 | $1,482 | $247 |
| Florida | $3,220 | $1,610 | $268 |
| Georgia | $4,037 | $2,019 | $336 |
| Hawaii | $1,854 | $927 | $154 |
| Iowa | $2,765 | $1,382 | $230 |
| Idaho | $2,266 | $1,133 | $189 |
| Illinois | $3,115 | $1,557 | $260 |
| Indiana | $2,856 | $1,428 | $238 |
| Kansas | $3,354 | $1,677 | $279 |
| Kentucky | $3,748 | $1,874 | $312 |
| Louisiana | $4,928 | $2,464 | $411 |
| Massachusetts | $2,994 | $1,497 | $250 |
| Maryland | $2,856 | $1,428 | $238 |
| Maine | $2,306 | $1,153 | $192 |
| Michigan | $3,931 | $1,965 | $328 |
| Minnesota | $3,700 | $1,850 | $308 |
| Missouri | $4,331 | $2,166 | $361 |
| Mississippi | $3,403 | $1,702 | $284 |
| Montana | $3,598 | $1,799 | $300 |
| North Carolina | $2,511 | $1,255 | $209 |
| North Dakota | $2,980 | $1,490 | $248 |
| Nebraska | $3,794 | $1,897 | $316 |
| New Hampshire | $2,381 | $1,190 | $198 |
| New Jersey | $2,995 | $1,498 | $250 |
| New Mexico | $3,270 | $1,635 | $273 |
| Nevada | $2,748 | $1,374 | $229 |
| New York | $2,807 | $1,403 | $234 |
| Ohio | $2,105 | $1,053 | $175 |
| Oklahoma | $3,502 | $1,751 | $292 |
| Oregon | $3,009 | $1,505 | $251 |
| Pennsylvania | $3,090 | $1,545 | $257 |
| Rhode Island | $3,568 | $1,784 | $297 |
| South Carolina | $2,758 | $1,379 | $230 |
| South Dakota | $4,026 | $2,013 | $336 |
| Tennessee | $3,378 | $1,689 | $281 |
| Texas | $4,529 | $2,265 | $377 |
| Utah | $2,612 | $1,306 | $218 |
| Virginia | $2,375 | $1,188 | $198 |
| Vermont | $2,640 | $1,320 | $220 |
| Washington | $2,658 | $1,329 | $221 |
| Wisconsin | $2,718 | $1,359 | $227 |
| West Virginia | $2,993 | $1,496 | $249 |
| Wyoming | $3,661 | $1,830 | $305 |
Average car insurance cost for different vehicle makes
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To find affordable Alfa-Romeo car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Alfa-Romeo models to insure
Opting for smaller, less costly Alfa-Romeo models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Alfa-Romeo models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Alfa-Romeo
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Alfa-Romeo discounts on car insurance
To reduce the cost of your Alfa-Romeo insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Alfa-Romeo auto insurance.
How does a car’s make affect car insurance rates?
Curious about Alfa-Romeo insurance premiums? The insurance rates vary based on the specific model you choose. Since Alfa-Romeo manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Alfa-Romeo
Alfa Romeo, an Italian automobile manufacturer, was established in 1910 and is renowned for its blend of style, speed and design. The brand has a rich history that’s deeply intertwined with motorsport, having produced vehicles that have dominated race tracks worldwide.
Final thoughts on Alfa-Romeo insurance costs
Alfa-Romeo offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Alfa-Romeo?
Yes, your driving record has a significant impact on your Alfa-Romeo’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Alfa-Romeo affect the insurance premium?
No, the color of your Alfa-Romeo does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Alfa-Romeo affect insurance costs?
The age of your Alfa-Romeo can influence your insurance costs. Older Alfa-Romeo models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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