Audi S5 vs Alfa Romeo Giulia Insurance Cost
The Audi S5 is cheaper to insure by about $445 a year for full coverage by our estimate ($1,830 vs. $2,275), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Audi S5 | Alfa Romeo Giulia | Difference |
|---|---|---|---|
| State minimum | $480 | $750 | −$270 |
| Standard (100/300/100) | $695 | $1,085 | −$390 |
| Full coverage | $1,830 | $2,275 | −$445 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S5 minus Giulia.
Why one costs more to insure
| Factor | Audi S5 | Alfa Romeo Giulia |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 177 | 186 |
| HLDI comprehensive | 145 | 182 |
| HLDI property damage liability | 65 | 138 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 4 |
Collision losses are the biggest swing factor: the Alfa Romeo Giulia has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi S5.
S5 vs Giulia insurance by state
By driver profile (full coverage)
| Driver | S5 | Giulia |
|---|---|---|
| Teen driver (18, own policy) | $5,030 | $6,255 |
| Young adult (22) | $2,925 | $3,640 |
| Adult in their 30s | $1,830 | $2,275 |
| Adult in their 50s | $1,685 | $2,090 |
| Senior (72) | $2,050 | $2,545 |
| 30s, one at-fault accident | $2,655 | $3,295 |
| 30s, DUI on record | $3,385 | $4,205 |
More comparisons
Frequently asked questions
Is the Audi S5 or the Alfa Romeo Giulia cheaper to insure?
By our estimate the Audi S5 is cheaper, by about $445 a year for full coverage ($1,830 vs. $2,275) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Audi S5 and Alfa Romeo Giulia?
Mostly because of insurance-loss history: HLDI collision indices of 177 vs. 186 and comprehensive indices of 145 vs. 182 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.