- An Alfa Romeo Stelvio is more expensive to insure compared to the average SUV.
- Full coverage for a Stelvio usually runs about $207 per month, while liability only car insurance rates run around $95 a month.
- Commonwealth Casualty is the cheapest insurance company for a Stelvio with a national average of just $51 per month for liability only coverage.
In This Article
The Alfa Romeo Stelvio is a high-end car for drivers with extra room in their budgets, with base prices starting at $84,650 for new 2022 models. With three different trim levels currently offered, there's a style for every driver.
We combed through thousands of car insurance quotes on Compare.com, and we've found that Alfa Romeo Stelvio auto insurance premiums are about $185 a month, on average. But how does that stack up to other similar SUVs out there on the market?
|Current Base Price||$50,200|
|Trim Levels||QUADRIFOGLIO, TI/TI SPORT, STELVIO|
|Average Insurance Premium||$185/mo.|
|Cheapest Insurance Company||Commonwealth Casualty|
How Much is Car Insurance for an Alfa Romeo Stelvio?
|Vehicle||Liability Only||Full Coverage|
|Alfa Romeo Stelvio||$95||$207|
|All Alfa Romeo Models||$81||$218|
|Average Insurance Premium||$81||$169|
In the table above, you'll find that when you compare the Alfa Romeo Stelvio to other vehicles, insurance rates are higher than average. On average, Stelvio owners can expect to pay around $95 monthly for liability insurance, and about $207 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).
Comparing it to other Alfa Romeo models, the Stelvio is slightly less expensive, with prices more than 5% lower than the rest of the company's vehicle lineup. However, Stelvio coverage is above average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive rates than other SUVs.
Overall, they're just more expensive to insure than the average vehicle, no matter which body style, model, or make you compare it to.
Who has the Cheapest Car Insurance for an Alfa Romeo Stelvio?
|Insurance Company||Average Monthly Premium|
If you're searching for an auto insurance policy for an Alfa Romeo Stelvio, you might be most interested in which carrier offers the most affordable rates. While there will never be one company that offers the most affordable prices for everyone, Dairyland offers the lowest average rates for liability only coverage, with rates sometimes as low as $37 monthly. The next most affordable carrier is MetLife, who offers car insurance as low as $39 per month.
The third, fourth, and fifth carriers on the list are CSAA, Clearcover, and Commonwealth Casualty. That being said, 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 Stelvio.
After all, insurance carriers look at a wide array of different things when calculating rates, so your results might be different. By analyzing quotes from several auto insurance companies at once, you can be confident you're finding the cheapest rate.
What Factors Affect Car Insurance Rates for an Alfa Romeo Stelvio?
As we mentioned above, there are a range of factors that insurance carriers reference to choose how much they charge for a policy -- and each company weighs different pieces more heavily than others, so there's not a single carrier that's the lowest for every Stelvio driver.
The sections below show a whole bunch of variables car insurance companies use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$68|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Alfa Romeo Stelvio has only been around for two or three model years, so vehicle age won't affect your premium in the same way it might for other vehicles. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.
Next year, we'll have a better idea of the differences in premiums for each model year, but for now we see that a Stelvio less than one year old will be around between $68 and $129 monthly to insure.
|Age||Average Monthly Premium|
How old you are plays a big role in how much you pay for auto insurance. Because the Alfa Romeo Stelvio is pretty new to the market, we're just starting to collect data on how age is affecting insurance prices. So far, based on the table above, young drivers pay more compared to drivers who have more experience on the road. In this case, drivers between 18 and 24 pay $70 more than those 25 or older.
Car insurance prices continue to go down as you get older, with the cheapest age group being 45-54 for Stelvio drivers.
|Gender||Average Monthly Premium|
You may not know, but auto insurance is generally more expensive for men than for women. This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. The Alfa Romeo Stelvio is no different, and women pay around 44% less than men per month for car insurance.
Where You Live
|State||Average Monthly Premium|
You were probably already aware that factors like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live is just as important? Because car insurance is regulated on the state level rather than nationally, rates can differ quite a bit from state to state.
Because the Stelvio is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are significantly more expensive than anywhere else.
Alfa Romeo Stelvio Car Insurance Discounts
Regardless of your car, your age, or your home state, it's always important to take advantage of as many insurance discounts as possible.
Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:
- Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than by monthly payments
- Multi-policy discounts for using the same insurance company for both your home and auto insurance
- Multi-car discounts for adding more than one vehicle to your auto policy
- Defensive driving discounts for taking a defensive driving class from a certified school or institution
However, discounts aren't the only way to save. 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.
Even though you don't have control over every factor auto insurance carriers consider to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the things you can use to your advantage in order to save on insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
You've most likely seen ads from car insurance companies offering large discounts for responsible drivers. It checks out that your insurance prices will go up if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.
Unfortunately, we don't have enough data on file for Alfa Romeo Stelvio drivers specifically, since it is a relatively new vehicle. However, we'll have a better idea of how much infractions will cost Stelvio drivers when it comes to auto insurance as we see more and more of these on the road.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another variable that impacts your insurance rates is how much you drive annually. Drivers who are on the roads less often are more likely to go accident-free, so they'll typically be offered more affordable prices. Since the Alfa Romeo Stelvio is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 7,500 - 10,000 miles each year are offered the highest rates.
But if you don't use your Alfa Romeo Stelvio that often, it may be worth getting pay-per-mile or usage-based car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Alfa Romeo Stelvios Compare to Other Vehicles?
If you're thinking about making an Alfa Romeo Stelvio your next SUV, 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 certainly one that's worth considering carefully.
Review the table below to see how the Alfa Romeo Stelvio stacks up:
|Alfa Romeo Stelvio||National Average|
|Full Coverage Insurance||$179||$169|
|Average Annual Mileage||8,068||11,617|
Overall, the Alfa Romeo Stelvio is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the national average vehicle MSRP is $46,192, the Stelvio comes in above that at $84,650.
Although the Stelvio's price is on the high end of the spectrum, auto insurance rates are slightly lower when compared to other vehicles on the market. Liability insurance for an Alfa Romeo Stelvio is about $30 per month less than average, while full coverage is $10 more a month.
However, it is worth noting that the Stelvio drivers tend to use their cars less than the average American driver, with only 8,068 annual miles for the average owner.
Alfa Romeo Stelvio Car Insurance Costs by Model Year
We've gone over many of the variables that can affect how much the average driver pays for car insurance. But if you're considering buying a new Stelvio, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.
2022 Alfa Romeo Stelvio Car Insurance
|Liability Only Avg. Premium||$51|
|Full Coverage Avg. Premium||$179|
|Cheapest Insurance Company||Mercury - $51/mo.|
|Available Trims||QUADRIFOGLIO, STELVIO, TI/TI SPORT|
When it comes to insurance, the average 2022 Alfa Romeo Stelvio normally costs around $51 per month to insure for liability only and $179 monthly for full coverage. And if you want the most affordable insurance possible, Mercury offers liability only policies for as cheap as just $51 a month.
Although it helps to know the average price drivers pay to insure a 2022 Stelvio, there's no way to know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can gather a variety of quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.
2021 Alfa Romeo Stelvio Car Insurance
|Liability Only Avg. Premium||$70|
|Full Coverage Avg. Premium||$186|
|Cheapest Insurance Company||Dairyland - $37/mo.|
|Available Trims||QUADRIFOGLIO, SPORT, TI/TI LUSSO/TI SPORT/TI SPORT CARBON|
If you're looking to buy a 2021 Stelvio or already own one, you can expect an average auto insurance premium of about $186 for full coverage or $70 for a liability only policy.
And if you're just looking for the lowest insurance for your Stelvio, Dairyland offers liability only policies for as little as just $37 monthly.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2020 Alfa Romeo Stelvio Car Insurance
|Liability Only Avg. Premium||$64|
|Full Coverage Avg. Premium||$221|
|Cheapest Insurance Company||Safeco - $33/mo.|
|Available Trims||QUADRIFOGLIO, STELVIO, TI|
On average, drivers who own a 2020 Alfa Romeo Stelvio can expect to pay $64 to $221 per month for liability only and full coverage car insurance, respectively.
With rates as low as just $33 a month, Safeco offered the cheapest policy we found for the 2020 Alfa Romeo Stelvio.
Want to find the lowest rates? Enter your ZIP code below to get lots of personalized quotes for free.
2019 Alfa Romeo Stelvio Car Insurance
|Liability Only Avg. Premium||$130|
|Full Coverage Avg. Premium||$271|
|Cheapest Insurance Company||Mercury - $36/mo.|
|Available Trims||QUADRIFOGLIO, STELVIO, TI|
It costs around $130 monthly for liability or $271 for a full coverage policy for the 2019 Stelvio.
Looking for the cheapest policy? Mercury offered liability only coverage for as cheap as $36 a month.
If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.
2018 Alfa Romeo Stelvio Car Insurance
|Liability Only Avg. Premium||$111|
|Full Coverage Avg. Premium||$195|
|Cheapest Insurance Company||SafeAuto - $37/mo.|
|Available Trims||QUADRIFOGLIO, SPORT, STELVIO, TI, TI LUXURY, TI SPORT|
You can expect full coverage for a 2018 Alfa Romeo Stelvio to run about $195 per month, while liability only coverage will average around $111 a month.
SafeAuto offered the most affordable policy we found, with rates as little as $37 per month.
Want something more accurate than national averages? Get multiple free personalized quotes by just entering your ZIP code below.
Alfa Romeo Stelvio Insurance FAQs
Is an Alfa Romeo Stelvio expensive to insure?
The Alfa Romeo Stelvio is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $95 monthly, while full coverage will cost you around $207.
How can I get the best price on car insurance for my Alfa Romeo Stelvio?
There's only one way to guarantee you're getting the cheapest rates -- checking prices regularly and comparing quotes from a lot of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from multiple companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.
Does the color of my Alfa Romeo Stelvio affect my insurance rates?
You may have heard the old adage that red cars cost more to insure, but that's actually a myth. There are a wide array of factors insurance carriers consider when they offer premiums, but your vehicle's color isn't one of them.
Do I need to have insurance before I buy an Alfa Romeo Stelvio?
You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) Alfa Romeo Stelvio off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance company know before you buy.
What car insurance discounts can I get for my Alfa Romeo Stelvio?
You will find a bunch of different discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Stelvio has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to contact your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.