Auto insurance for an Alfa Romeo

Italy has spent centuries consolidating its place as a luxury supplier. From Versace and Gucci to the country’s leather and shoes, Italy knows the high end. But perhaps its biggest luxury export – both in terms of market share and the size of the export itself – it’s the cars.

And Alfa Romeo has reduced the space for its vehicles, which is quite impressive considering the fact that other luxury Italian automakers include Ferrari and Lamborghini. But because their vehicles are so premium, Alfa Romeo drivers must be prepared to pay more than the national average for auto insurance, which currently drops to $ 1,674. When car insurance companies determine the rates, the make and model of the vehicle play a major role, so car insurance for Alfa Romeo can get expensive.

How much does the insurance of an Alfa Romeo cost?

The cost of auto insurance for Alfa Romeo varies among insurance companies. While different insurance companies typically take similar factors into account when setting your rates – things like your driving record, location of residence, annual mileage, and make and model of your vehicle – they do assess the factors. differently.

Nevertheless, we can give you a rough idea of ​​the average cost of auto insurance for Alfa Romeo. And this can be useful because you will almost certainly need car insurance. Almost all states require drivers to carry at least liability insurance to pay for damages they cause while driving. And if you’re driving a high-end vehicle like an Alfa Romeo, you’ll probably want coverage to protect your car itself as well.

Ultimately, everything from the amount of coverage you purchase to your driving history and your car itself affects the price of your auto insurance policy. From the outset, know that if you choose an Alfa Romeo, you find yourself in the category of luxury auto insurance, that is, paying more than the average cost of auto insurance. You should also be aware that policy cost averages vary from model to model, so we looked at the rates for:

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

That way, whether you’re planning to buy an Alfa Romeo or already driving one but have considered switching carriers, you can pretty much know where the more affordable policies lie, in terms of price.

Auto insurance for Alfa Romeo: by model

Again, the rates will vary from person to person, as factors specific to each person, such as 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 better understand what you can expect to pay, here are some auto insurance averages for Alfa Romeo:

Alfa Romeo auto 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

The cheapest auto insurance companies for Alfa Romeo Guilias

Obviously, insuring an Alfa Romeo is far from cheap. But we’ve done some research to help you find the most affordable policy possible. We crossed the auto insurance companies in our top ranking (which rates the top providers by market share in key areas such as pricing and customer service) with our list of the cheapest auto insurance companies. . The result is auto insurance for Alfa Romeo at the lower end of the price bracket.

Again, prices will vary depending on the driver and their individual risk factors, but the following can give you a rough idea of ​​the cost of insuring an Alfa Romeo Guilia, its high-performance luxury sports sedan:

Auto insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 337 $ 1,565
Geico $ 401 $ 2,394
State farm $ 396 $ 1,630
Erie $ 353 $ 1,261
Amica $ 342 $ 1,792

The cheapest auto insurance companies for Alfa Romeo Spider

Sports cars are a whole different beast, both in terms of driving experience and insurance. And the Alfa Romeo Spider is no exception. This signature two-seater delivers what you expect from a luxury sports car, such as quick acceleration and premium finishes. In addition, the latest Spiders are based on a chassis made from a single piece of carbon fiber. Partly because of all that oomph and wow factor, the Spider is also the most expensive Alfa Romeo to insure (assuming you want full coverage; the minimum liability coverage is quite cheap because the Spider is so small that it can’t do much damage). Take a look at the most affordable fonts we could find:

Auto insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 273 $ 1,719
Geico $ 386 $ 2,615
State farm $ 425 $ 2,181
Erie $ 218 $ 1,160
Amica $ 342 $ 1,807

The cheapest auto 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, as the larger vehicle could cause more damage on the road. In terms of full coverage, however, the Stelvio is fairly middle-of-the-road in our auto insurance for the Alfa Romeo cost breakdown. Here are some of the cheapest policies we could find for the Alfa Romeo SUV:

Auto insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 361 $ 1,422
Geico $ 390 $ 1,712
State farm $ 396 $ 1,567
Erie $ 348 $ 1,184
Amica $ 342 $ 1375

Other auto insurance coverages for Alfa Romeo

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

Minimal coverage means you’re carrying exactly what your condition needs. In all states except New Hampshire, that means driving with personal injury and property damage liability insurance. The former goes in to pay medical bills if you injure someone while driving, while the latter pays for damage to their vehicle or any other property you have struck with your car.

If you are buying or leasing an Alfa Romeo, you will probably want coverage for your vehicle itself. Our full coverage quotes include three types of protection that can help you with any loss related repairs your Guilia, Spider or Stelvio might need. Specifically, we have included:

  • Full coverage. Not all damage to the vehicle is the result of a car accident. Your car could be damaged – or even stolen – while it’s apparently safe in the park. Therefore, you may want to purchase comprehensive coverage, which comes in to cover costs resulting from everything from theft and vandalism to a tree branch falling on your Alfa Romeo.
  • Collision coverage. If another driver rings your Alfa Romeo, their liability coverage should foot the bill. But what if you find yourself liable for the damage? If you get back into something or cause an accident, your collision coverage may cover the resulting repairs, up to the limits of your policy.
  • Coverage for uninsured motorists. Let’s go back to our previous example of another driver causing an accident with you. While almost all states require drivers to have liability insurance, the Insurance Information Institute (III) estimates that more than 12 percent of drivers today take to the road without coverage. If an uninsured driver damages your Alfa Romeo, your uninsured motorist coverage may come to the rescue.

Now you have a good idea of ​​the cost of auto insurance for Alfa Romeo. Before choosing a policy, make sure it includes the optional coverage you need, like the ones we just described, and take the time to compare quotes from multiple insurers. This could save you a pretty penny so that you can enjoy your Alfa Romeo with less associated expense.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

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

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

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


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