- An Alfa Romeo 4C costs more than most other cars to insure.
- Liability only auto insurance rates for a 4C tend to be about $63 per month, while full coverage normally tends to be around $220.
- Kemper is the cheapest car insurance carrier for a 4C.
In This Article
With a base price of $67,150 for 2020 models, the Alfa Romeo 4C is a high-end car on the more expensive end of the spectrum.
After analyzing thousands of insurance quotes through Compare.com, we've found that Alfa Romeo 4C car insurance premiums average out to about $200 a month. But where does that fall compared to the rest of the market?
|Current Base Price||$67,150|
|Average Insurance Premium||$200/mo.|
|Cheapest Insurance Company||Kemper|
How Much is Car Insurance for an Alfa Romeo 4C?
|Vehicle||Liability Only||Full Coverage|
|Alfa Romeo 4C||$63||$220|
|All Alfa Romeo Models||$81||$218|
|Average Insurance Premium||$81||$169|
Looking at the table above, you'll find that auto insurance prices for an Alfa Romeo 4C are above average. 4C drivers usually pay around $220 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $63 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).
When compared to other models, the 4C is in line with the other vehicle types offered by Alfa Romeo. Compared to offerings from other brands, insurance for a 4C runs close to average, with liability insurance premiums $20 cheaper than other cars and full coverage insurance rates coming in $43 higher.
Compared to all vehicles of any body type, full coverage prices are more expensive for the 4C, but a liability only policy is on the less expensive side.
Who has the Cheapest Car Insurance for an Alfa Romeo 4C?
|Insurance Company||Average Monthly Premium|
Are you searching for a car insurance policy for your Alfa Romeo 4C? You're probably most interested in which company offers the cheapest premiums. Although premiums can vary significantly depending on your driver profile, the most affordable average rates for liability only insurance are sometimes as little as $27 per month from Liberty Mutual. With car insurance sometimes as low as $30 monthly, Clearcover is the next lowest car insurance carrier.
MetroMile, Dairyland, and DirectGeneral round out the end of the top 5 list. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Alfa Romeo 4C.
Insurance carriers use a bunch of different things and complex formulas to calculate premiums. By pulling quotes from lots of insurance companies at once, you can guarantee you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for an Alfa Romeo 4C?
There are a lot of factors that auto insurance carriers reference to choose how much to charge for a policy -- and every company weighs different pieces more heavily than others, so there's not a single carrier that's the cheapest for everyone.
The following sections show an array of variables insurance companies use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$77|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Alfa Romeo 4C has been around for a while -- that means vehicle age can make a difference in what you end up paying for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and 4Cs begin to depreciate, insurance costs will gradually go down.
According to the table above, the Alfa Romeo 4C follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while on average, the cheapest models are 4Cs that are 4 to 5 years old.
|Age||Average Monthly Premium|
Age is another variable that makes a significant difference in how much auto insurance carriers will charge you. Based on the information in the table above, older 4C drivers pay less than young 4C drivers. Alfa Romeo 4C drivers between 18 and 24 actually pay $23 more than those 25 or older.
Auto insurance prices continue to go lower as you get older, with the cheapest age group for 4C drivers being 35-44.
|Gender||Average Monthly Premium|
Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. When it comes to 4C drivers specifically, women pay about 39% less than men a month for insurance.
Where You Live
|State||Average Monthly Premium|
You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live can be equally important. Car insurance is regulated on the state level rather than nationally, so rates can shift quite a bit from state to state.
For example, the average Alfa Romeo 4C owner from New York pays around $171 per month for liability coverage. Meanwhile, on average, the same driver in California will pay only 25% of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.
Alfa Romeo 4C Car Insurance Discounts
Regardless of your home state, your age, or your car, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a policy.
While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:
- Multi-policy discounts for using the same insurance company for both your home and car insurance
- Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
- Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
- Multi-vehicle discounts for adding more than one car to your auto policy
While discounts are always a good way to save money on your auto insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.
Of course, you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite bit in your control. Below are just a few of the variables you can use to your favor when it comes to saving some cash:
Your Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
You've no doubt observed ads from auto insurance carriers promoting big savings for responsible drivers. It should be no surprise that if you get a speeding ticket or get into an accident, car insurance rates will go higher. But exactly how much will these infractions cost you?
As you can see, accidents will usually cost 4C drivers less than tickets, but both will result in higher than normal rates. Alfa Romeo 4C drivers with one accident on their record pay an average of $66 every month (up $3 from the $63/mo. overall average), while drivers with a single ticket will pay about $87 a month. The rates only get higher the more tickets you get or collisions you have.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
How much you drive each year plays a big role when it comes to your insurance prices. Those who drive less often are more likely to go accident-free, so they'll generally end up spending less on auto insurance. Based on the table above, you can see that Alfa Romeo 4C owners who drive between 2,500 and 5,000 miles per year pay about $38 per month for car insurance, while those who put between 7,500 and 10,000 miles on their cars pay $76.
If you don't use your Alfa Romeo 4C to travel or commute regularly, you might consider choosing a usage-based or pay-per-mile insurance policy. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.
How Do Alfa Romeo 4Cs Compare to Other Vehicles?
If you're considering making an Alfa Romeo 4C your next car, it can pay off to do your due diligence. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.
Take a look at the table below to see how the Alfa Romeo 4C compares:
|Alfa Romeo 4C||National Average|
|Full Coverage Insurance||$308||$169|
|Average Annual Mileage||10,952||11,617|
Overall, the Alfa Romeo 4C is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. The 4C has an MSRP of $67,150, a bit higher than the national average vehicle price of $46,547.
Similarly, car insurance rates are slightly higher when compared to other vehicles on the market. Full coverage insurance for an Alfa Romeo 4C is about $139 per month more than average, while liability only coverage is $2 cheaper monthly.
When it comes to usage, Alfa Romeo 4C owners drive about the same amount annually as the national average, with 10,952 miles a year compared to 11,617 for all vehicles.
Alfa Romeo 4C Car Insurance Costs by Model Year
We've gone over many of the things that can have an impact on how much the average driver pays for insurance. If you're considering buying a new 4C, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.
2020 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$79|
|Full Coverage Avg. Premium||$308|
|Cheapest Insurance Company||Safeco - $28/mo.|
It costs around $79 a month for liability or $308 for a full coverage policy for the 2020 4C.
Safeco has prices as cheap as $28 per month for the 2020 Alfa Romeo 4C.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2019 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$79|
|Full Coverage Avg. Premium||$261|
|Cheapest Insurance Company||Clearcover - $31/mo.|
The average cost to insure a 2019 Alfa Romeo 4C with liability only coverage is $79 monthly, while full coverage runs about $261 per month.
If you're looking for the lowest possible 2019 Alfa Romeo 4C insurance policy, Clearcover offered the lowest policy we found, with rates as low as just $31 monthly.
Interested in what your car insurance premium could look like? Just enter your ZIP code below to get a variety of customized quotes for free.
2018 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$84|
|Full Coverage Avg. Premium||$258|
|Cheapest Insurance Company||Clearcover - $25/mo.|
|Available Trims||4C, SPIDER|
You can expect full coverage for a 2018 4C to run around $258 a month, while liability only coverage will average about $84 per month.
With rates as little as just $25 monthly, Clearcover offered the most affordable policy we found.
If you want to find the best premiums for insurance for a 2018 Alfa Romeo 4C, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.
2017 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$41|
|Full Coverage Avg. Premium||$173|
|Cheapest Insurance Company||DirectGeneral - $17/mo.|
|Available Trims||4C, SPIDER|
On average, drivers who own a 2017 Alfa Romeo 4C can expect to pay $41 to $173 a month for liability only and full coverage auto insurance, respectively.
We found DirectGeneral offered the lowest policy, with rates as low as $17 per month.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.
2016 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$46|
|Full Coverage Avg. Premium||$205|
|Cheapest Insurance Company||Clearcover - $19/mo.|
|Available Trims||4C, SPIDER|
2016 4C drivers can expect to pay an average of $46 a month for liability or $205 for full coverage.
Clearcover offered the cheapest policy we found, with rates sometimes as cheap as $19 monthly.
Interested in what your car insurance price will be? Get several personalized quotes for free by just entering your ZIP code below.
2015 Alfa Romeo 4C Car Insurance
|Liability Only Avg. Premium||$58|
|Full Coverage Avg. Premium||$213|
|Cheapest Insurance Company||Safeco - $25/mo.|
|Available Trims||4C, LAUNCH EDITION, SPIDER|
You can expect full coverage for a 2015 Alfa Romeo 4C to run around $213 a month, while liability only coverage will average about $58 monthly.
With rates as little as $25 per month, Safeco offered the most affordable policy we found for the 2015 Alfa Romeo 4C.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
Alfa Romeo 4C Insurance FAQs
Is an Alfa Romeo 4C expensive to insure?
Liability insurance runs an average of $63 a month, while full coverage will cost you around $220. The Alfa Romeo 4C is relatively expensive to insure compared to the average car.
How can I get the best price on car insurance for my Alfa Romeo 4C?
There's only one way to ensure you're getting the lowest rates -- checking prices regularly and comparing quotes from numerous companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Alfa Romeo 4C affect my insurance prices?
Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. Even though there are many factors auto insurance companies think about when they calculate your rates, your Alfa Romeo 4C's color is not on that list.
Do I need to have insurance before I buy an Alfa Romeo 4C?
You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance company know beforehand.
What car insurance discounts can I get for my Alfa Romeo 4C?
You will find multiple discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your 4C has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, get in touch with your insurance carrier and ask about their discounts.