If you’re wondering how much it will cost to insure your Alfa-Romeo Stelvio in 2025, you’re in the right place. Insurance rates for the Alfa-Romeo Stelvio vary based on your location, driving record and model year.
On average, insuring a 2023 Alfa-Romeo Stelvio costs around $3,208 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Stelvio might cost slightly less, around $3,098 per year, while insuring a 2018 model could be even more budget-friendly at $2,541 annually.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Alfa-Romeo Stelvio.
What is the cost to insure your Alfa-Romeo Stelvio in 2025?
The average cost to insure a Alfa-Romeo Stelvio is $272 per month, or $3,258 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Alfa-Romeo Stelvio
State Farm offers the lowest car insurance rates for your Alfa-Romeo Stelvio, with an average cost of $2,026 per year or $169 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Alfa-Romeo Stelvio.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,026 | $1,013 | $169 |
| Nationwide | $2,236 | $1,118 | $186 |
| Geico | $2,572 | $1,286 | $214 |
| Progressive | $3,803 | $1,901 | $317 |
| Farmers | $4,222 | $2,111 | $352 |
| Allstate | $4,803 | $2,401 | $400 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Alfa-Romeo Stelvio car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Alfa-Romeo Stelvio will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Alfa-Romeo Stelvio, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2018 | $2,541 | $1,270 | $212 |
| 2019 | $2,751 | $1,375 | $229 |
| 2020 | $2,904 | $1,452 | $242 |
| 2021 | $3,098 | $1,549 | $258 |
| 2022 | $3,067 | $1,534 | $256 |
| 2023 | $3,208 | $1,604 | $267 |
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Alfa-Romeo Stelvio car insurance rates for different trims
When it comes to insuring a Alfa-Romeo Stelvio, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the Stelvio Sprint, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Alfa-Romeo Stelvio.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Stelvio Veloce | $3,132 | $1,566 | $261 |
| Stelvio Competizione | $3,168 | $1,584 | $264 |
| Stelvio Ti | $3,225 | $1,613 | $269 |
| Stelvio Sprint | $3,294 | $1,647 | $275 |
Alfa-Romeo Stelvio insurance rates: State-by-state breakdown
Insurance costs for a Alfa-Romeo Stelvio vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Alfa-Romeo Stelvio in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,138 | $1,569 | $261 |
| Alabama | $3,307 | $1,654 | $276 |
| Arkansas | $3,848 | $1,924 | $321 |
| Arizona | $3,100 | $1,550 | $258 |
| California | $4,052 | $2,026 | $338 |
| Colorado | $4,199 | $2,099 | $350 |
| Connecticut | $3,235 | $1,618 | $270 |
| Washington, D.C. | $3,588 | $1,794 | $299 |
| Delaware | $3,106 | $1,553 | $259 |
| Florida | $3,218 | $1,609 | $268 |
| Georgia | $3,832 | $1,916 | $319 |
| Hawaii | $1,704 | $852 | $142 |
| Iowa | $2,995 | $1,498 | $250 |
| Idaho | $2,159 | $1,080 | $180 |
| Illinois | $3,263 | $1,632 | $272 |
| Indiana | $3,002 | $1,501 | $250 |
| Kansas | $3,412 | $1,706 | $284 |
| Kentucky | $3,796 | $1,898 | $316 |
| Louisiana | $5,163 | $2,582 | $430 |
| Massachusetts | $3,439 | $1,720 | $287 |
| Maryland | $3,071 | $1,535 | $256 |
| Maine | $2,290 | $1,145 | $191 |
| Michigan | $4,425 | $2,212 | $369 |
| Minnesota | $3,576 | $1,788 | $298 |
| Missouri | $3,812 | $1,906 | $318 |
| Mississippi | $3,513 | $1,756 | $293 |
| Montana | $3,751 | $1,876 | $313 |
| North Carolina | $2,353 | $1,176 | $196 |
| North Dakota | $3,005 | $1,502 | $250 |
| Nebraska | $3,659 | $1,830 | $305 |
| New Hampshire | $2,473 | $1,236 | $206 |
| New Jersey | $3,051 | $1,525 | $254 |
| New Mexico | $3,458 | $1,729 | $288 |
| Nevada | $2,923 | $1,461 | $244 |
| New York | $2,262 | $1,131 | $189 |
| Ohio | $2,453 | $1,226 | $204 |
| Oklahoma | $3,765 | $1,882 | $314 |
| Oregon | $3,177 | $1,589 | $265 |
| Pennsylvania | $3,306 | $1,653 | $275 |
| Rhode Island | $3,447 | $1,723 | $287 |
| South Carolina | $2,776 | $1,388 | $231 |
| South Dakota | $4,229 | $2,115 | $352 |
| Tennessee | $3,385 | $1,693 | $282 |
| Texas | $4,797 | $2,398 | $400 |
| Utah | $2,796 | $1,398 | $233 |
| Virginia | $2,424 | $1,212 | $202 |
| Vermont | $2,360 | $1,180 | $197 |
| Washington | $2,595 | $1,298 | $216 |
| Wisconsin | $2,608 | $1,304 | $217 |
| West Virginia | $2,942 | $1,471 | $245 |
| Wyoming | $3,989 | $1,994 | $332 |
How your age impacts Alfa-Romeo Stelvio insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $12,461 | $6,230 | $1,038 |
| Adults | $3,258 | $1,629 | $272 |
The bottom line
Knowing how much it costs to insure a Alfa-Romeo Stelvio is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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