Alfa Romeo Car Insurance Quotes in 2026
The average cost of Alfa Romeo car insurance is $194 per month, but USAA offers the cheapest average premium, at $96 per month.
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Written byEmily Guy Birken
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Emily Guy BirkenPersonal Finance Writer
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Edited bySara Getman
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Sara GetmanInsurance Editor
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Reviewed byMacK Korris
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MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969
Updated
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Key Takeaways
Alfa Romeo car insurance costs an average of $194 per month, which is higher than the national average of $137 per month for all cars.
USAA, GEICO, and State Farm have the lowest average monthly premiums for Alfa Romeo vehicles.
The Alfa Romeo Giulia is more expensive to insure than the Stelvio, at $266 per month for full coverage.
The Cheapest Car Insurance Companies for Alfa Romeos
Car insurance rates for your Alfa Romeo can vary from one company to another. That’s because every car insurance company weighs factors like your driving history, age, location, and credit history differently. That’s why it’s so important to compare multiple insurance companies to find the best rate.
In the table below, you’ll find the average monthly premiums for some of the cheapest car insurance companies for Alfa Romeo drivers.
Company  | Average Monthly Premium |
|---|---|
| USAA | $96 |
| GEICO | $112 |
| State Farm | $113 |
| Allstate | $126 |
| American Family | $146 |
| Progressive | $164 |
| Nationwide | $175 |
| Travelers | $185 |
| Farmers | $224 |
| Liberty Mutual | $276 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
If you’re looking for an inexpensive insurance company for your Alfa Romeo, USAA, GEICO, and State Farm offer average monthly insurance rates that are significantly cheaper than the manufacturer’s average car insurance rates across all insurers.
But your insurance policy needs and costs can depend on which Alfa Romeo model you drive. Read on to see the average costs for Alfa Romeo Giulia insurance compared to insurance for the Alfa Romeo Stelvio.
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Car Insurance Costs for Top Alfa Romeo Models
In 2025, the top-selling Alfa Romeo models were the Giulia and the Stelvio. That said, the brand also offers several other models, including the Tonale and the high-end Giulia Quadrifoglio.
The table below shows the average insurance premium rates for the Giulia and the Stelvio for liability-only coverage and full coverage.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Giulia | $141 | $266 |
| Stelvio | $128 | $240 |
| All Alfa Romeo models | $135 | $253 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Alfa Romeo Giulia
Average Alfa Romeo Giulia insurance cost: $203 per month
2026 Alfa Romeo Giulia MSRP: Starting at $47,745
With the Alfa Romeo 4C engine and performance to match its sporty styling, the Giulia lives up to the brand’s Italian sports-car lineage while still offering the convenience of a four-door sedan.
The Giulia received good safety ratings (the highest level) from the Insurance Institute for Highway Safety (IIHS) for driver-side safety but scored only marginal ratings (the second-lowest level) for child safety-seat anchors.[1]
You can find the insurers with the cheapest car insurance rates for Alfa Romeo Giulia drivers in the table below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| GEICO | $118 |
| State Farm | $119 |
| Allstate | $132 |
| Progressive | $154 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Alfa Romeo Stelvio
Average Alfa Romeo Stelvio insurance cost: $184 per month
2026 Alfa Romeo Stelvio MSRP: Starting at $52,745
The Alfa Romeo Stelvio is the brand’s SUV, offering a little more comfort and luxury than the Giulia while still providing the beloved Alfa Romeo 4C engine.
Despite the Stelvio’s higher price tag and its lack of safety ratings from the IIHS or National Highway Traffic Safety Administration, its average insurance quotes are lower than the cost of the Giulia. This may, in part, be because insurers consider it more of a family car than a sports car.
In the table below, you’ll find the cheapest car insurance rates for the Stelvio, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| GEICO | $106 |
| State Farm | $108 |
| Allstate | $120 |
| American Family | $139 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Best Insurance Companies for Alfa Romeo Drivers
You won’t find a single best insurer for every Alfa Romeo driver, so it’s important to compare multiple options. The right insurance company will vary based on factors such as your driving history, deductible, whether you need collision and comprehensive coverage, and whether you’re insuring another car along with your Alfa Romeo.
To help you get started, we chose the following insurance companies based on average rates, available discounts, customer ratings and reviews, and coverages.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
4.2
Best choiceBased on 148 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 68 USAA reviews
Verified Review
Reviewed in Florida on February 21, 2026
Fair price.
Verified Review
Reviewed in Georgia on February 15, 2026
Very good. Reliable. Comprehensive.
Verified Review
Reviewed in Georgia on January 26, 2026
Prices rise after initial purchase even though there have been no claims or violations.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Coverage from USAA is limited to military members and their families, but the company offers flexible insurance policy options, renowned customer service, and superior financial strength.
USAA also offers solid discounts, optional accident forgiveness, and the option to bundle multiple types of coverage. As one of the cheapest car insurance companies for Alfa Romeo drivers, the insurer is an excellent choice if you’re eligible for coverage.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
3.9
A solid optionBased on 631 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 270 GEICO reviews
Verified Review
Reviewed in Pennsylvania on March 23, 2026
The price kept going up and up with no reason as to why. I have no tickets, claims, accidents, no missed payments, no issues at all over all my years with them, but every 6 months I got an email saying the policy would cost more.
Verified Review
Reviewed in New York on March 15, 2026
Count on getting a rate increase every 6 months no matter how good your driving record is!
Verified Review
Reviewed in Florida on March 13, 2026
I've never had an accident with Geico, and I've been with them for a long time. However, they keep increasing my rates every 6 months.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers some of the lowest Alfa Romeo car insurance rates across all coverage levels, from property damage liability and bodily injury liability up to full-coverage insurance. In addition, GEICO also offers 23 separate discounts and outlines what percentage each may save you, making it easier to compare options before requesting quotes.
Pros
Highly rated mobile app
More than 20 available discounts
Cons
Below-average claims satisfaction rating[5]
Gap insurance not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
3.9
A solid optionBased on 746 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 317 State Farm reviews
Verified Review
Reviewed in Illinois on March 19, 2026
Very good, but prices are going up.
Verified Review
Reviewed in New York on March 16, 2026
They are very friendly and helpful. They offer the cheapest price I've found.
Verified Review
Reviewed in Virginia on March 15, 2026
I have been with State Farm since 1959. I was 21, just out of the Navy. They have always taken care of my needs.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you don’t have a clean driving record, State Farm may be the right insurance company for you. State Farm has strong customer satisfaction ratings and solid financial strength ratings from J.D. Power and AM Best.
State Farm’s rates go up less after a driving under the influence (DUI) conviction compared to other insurers, making it a good fit for Alfa Romeo drivers with an incident on their driving record.
Pros
Strong J.D. Power customer satisfaction rating
Strong financial strength rating[6]
Cons
Fewer available add-ons
Must work with an insurance agent
Average Cost of Alfa Romeo Car Insurance by State
The state you call home can affect your car insurance rates. That’s because factors like traffic, crime, and weather can vary from one state, ZIP code, or neighborhood to another. An Alfa Romeo driver relocating from California to New York may find their insurance premiums go up even though they’re still driving the same Tonale.
Below, you’ll find the average monthly insurance premium for Alfa Romeo by state.
Alfa Romeo Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $185 |
| Arizona | $226 |
| Arkansas | $333 |
| California | $313 |
| Colorado | $285 |
| Connecticut | $434 |
| Delaware | $320 |
| Florida | $298 |
| Georgia | $323 |
| Idaho | $162 |
| Illinois | $220 |
| Indiana | $187 |
| Iowa | $157 |
| Kansas | $214 |
| Kentucky | $281 |
| Louisiana | $288 |
| Maine | $195 |
| Maryland | $440 |
| Massachusetts | $231 |
| Michigan | $359 |
| Minnesota | $253 |
| Mississippi | $269 |
| Missouri | $251 |
| Montana | $215 |
| Nebraska | $227 |
| Nevada | $364 |
| New Hampshire | $147 |
| New Jersey | $231 |
| New Mexico | $206 |
| New York | $611 |
| North Carolina | $121 |
| North Dakota | $178 |
| Ohio | $168 |
| Oklahoma | $231 |
| Oregon | $209 |
| Pennsylvania | $224 |
| Rhode Island | $191 |
| South Carolina | $350 |
| South Dakota | $168 |
| Tennessee | $194 |
| Texas | $306 |
| Utah | $238 |
| Vermont | $197 |
| Virginia | $250 |
| Washington | $207 |
| District of Columbia | $446 |
| West Virginia | $203 |
| Wisconsin | $172 |
| Wyoming | $154 |
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Average Cost of Alfa Romeo Car Insurance by Age
Your age can affect the cost of your Alfa Romeo insurance premium. Drivers younger than 25 have less experience behind the wheel, which is why they pay the highest insurance rates of any age demographic. As drivers gain experience, their average monthly premium goes down.[7]
Regardless of your age, you still have ways to save. In the table below, you’ll find the average monthly premium for Alfa Romeo drivers by age group, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| All drivers | $194 |
| Drivers younger than 25 | $348 |
| Adult drivers | $186 |
| Senior drivers | $154 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Average Cost of Alfa Romeo Car Insurance by Driving Record
Your driving history also affects how much you pay for Alfa Romeo car insurance. If you have a clean driving record, you’ll generally get the lowest rates. Incidents on your driving history will raise your rates, and the more serious the incident, the more it will increase your insurance costs.[7]
Below, you’ll find the average insurance costs for Alfa Romeo drivers based on their driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $194 |
| Speeding ticket | $235 |
| At-fault accident | $242 |
| DUI | $268 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Other Factors That Affect Alfa Romeo Car Insurance Rates
Other factors can affect how much Alfa Romeo drivers pay for their car insurance. The brand-specific factors below may account for what you’re seeing when you request insurance quotes.
Alfa Romeo safety ratings
Despite the multiple Alfa Romeo models for sale in the U.S., only the Giulia has an IIHS safety rating. The Giulia got top driver-side safety ratings, although it has an incomplete evaluation for crashworthiness and a marginal rating for child seat anchors.
The IIHS hasn’t reviewed the Tonale or the Stelvio models. The lack of safety ratings, along with the Giulia's incomplete and marginal ratings, could increase your insurance costs.
Alfa Romeo repair and replacement costs
The cost to repair your Alfa Romeo or replace parts can also make a difference in your premiums, since it affects the cost of a claim if you need to file one.
Annual maintenance and repair costs for an Alfa Romeo average $834.[8] Costs vary by model, but higher-performance trims like the Giulia Quadrifoglio and Stelvio Quadrifoglio typically cost more to repair because of specialized parts and more complex components.
Keep in mind that Alfa Romeo has a smaller dealership network in the U.S. than some larger automakers, so it may be difficult to find service centers or replacement parts in some areas.
Alfa Romeo trim levels
Each Alfa Romeo model has several trim levels to choose from. For example, the 2026 Alfa Romeo Tonale is available in the base-level Sprint, which has a starting manufacturer’s suggested retail price (MSRP) of $36,995, or you can upgrade to the Tonale Sport Speciale or the Tonale Veloce, each of which has a starting MSRP of $42,190.[9]
Since the higher trim levels are more expensive, they’ll generally cost more to insure.
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Car Insurance Coverages to Consider for Your Alfa Romeo
In addition to minimum liability coverage that your state requires, which usually includes bodily injury liability and property damage liability coverage, it’s a good idea to also consider the following coverages:
Collision coverage: If a collision with another car or object damages your Alfa Romeo, collision coverage will help pay for repairs, no matter who was at fault.
Comprehensive coverage: If anything other than a collision damages your Alfa Romeo, like a falling tree branch or hail, comprehensive coverage will help you pay for repairs.
Gap insurance: If you total your car, gap insurance will pay the difference between what you still owe on your auto loan and the amount your insurance pays. When financing a new Alfa Romeo, this can be important for protecting your finances.
Custom parts and equipment insurance: Standard policies typically don’t cover aftermarket or custom parts. It may make sense to purchase this coverage to protect your aftermarket additions to your Alfa Romeo.
Alfa Romeo Car Insurance FAQs
To help you find the right Alfa Romeo car insurance for your situation, here are the answers to some of the most common questions drivers ask.
What’s the cheapest car insurance company for an Alfa Romeo?
USAA is the cheapest company for Alfa Romeos, according to Compare.com data. But no one car insurance company will be cheapest for every Alfa Romeo driver, since insurance rates vary based on many factors. Comparing insurance quotes is the best way to find the cheapest insurance company for your situation.
How much does car insurance cost for an Alfa Romeo Giulia?
Car insurance for an Alfa Romeo Giulia costs an average of $141 per month for liability-only coverage and $266 per month for full coverage, based on our research.
Sources
- IIHS. "2025 Alfa Romeo Giulia."
- Trustpilot. "USAA."
- Ambest.com. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Ambest.com. "AM Best Downgrades Credit Ratings of State Farm Mutual Automobile Insurance Company and Affiliates, Takes Various Credit Rating Actions on Subsidiaries."
- III. "What determines the price of an auto insurance policy?."
- RepairPal. "Alfa Romeo Repair & Maintenance Costs."
- Alfa Romeo. "Tonale."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
)
Emily Guy BirkenPersonal Finance Writer
Sara GetmanInsurance Editor
MacK KorrisLicensed P&C Insurance Agent and Expert Fact-Checker
Licensed property and casualty insurance agent
NPN: 21630969