Alfa Romeo Insurance Cost
Across 3 current Alfa Romeo models, full coverage averages about $1,887 a year by our estimate — +19% versus the average vehicle ($1,590).
Alfa Romeo insurance profile
Alfa Romeo is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 2 luxury suvs and 1 luxury car. HLDI collision losses for its models average 146 (100 = all-vehicle average).
Every Alfa Romeo model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Tonale | Luxury SUV | 2024–2026 | 114 | $1,545 | −3% |
| Stelvio | Luxury SUV | 2018–2026 | 138 | $1,840 | +16% |
| Giulia | Luxury car | 2017–2026 | 186 | $2,275 | +43% |
Older and discontinued Alfa Romeo models
What makes Alfa Romeo insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- Claims history: HLDI collision indices across 3 models range from 114 to 186, so the model you pick matters as much as the brand.
- Segment mix: 2 luxury suv, 1 luxury car.
Average Alfa Romeo insurance cost by state
Average full-coverage estimate across current Alfa Romeo models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,248 | −34% |
| North Dakota | $1,282 | −32% |
| Vermont | $1,295 | −31% |
| Idaho | $1,318 | −30% |
| Wisconsin | $1,337 | −29% |
| Iowa | $1,345 | −29% |
| Hawaii | $1,355 | −28% |
| Indiana | $1,387 | −26% |
| New Hampshire | $1,393 | −26% |
| Ohio | $1,397 | −26% |
| North Carolina | $1,482 | −21% |
| South Dakota | $1,525 | −19% |
| Wyoming | $1,562 | −17% |
| Kansas | $1,572 | −17% |
| Montana | $1,572 | −17% |
| Nebraska | $1,577 | −16% |
| Kentucky | $1,615 | −14% |
| Minnesota | $1,628 | −14% |
| Tennessee | $1,632 | −13% |
| West Virginia | $1,642 | −13% |
| Washington | $1,657 | −12% |
| Virginia | $1,662 | −12% |
| Illinois | $1,690 | −10% |
| Oregon | $1,697 | −10% |
| Alaska | $1,703 | −10% |
| Alabama | $1,705 | −10% |
| Pennsylvania | $1,713 | −9% |
| Utah | $1,722 | −9% |
| Arkansas | $1,742 | −8% |
| New Mexico | $1,743 | −8% |
| Missouri | $1,765 | −6% |
| Oklahoma | $1,768 | −6% |
| Mississippi | $1,867 | −1% |
| Massachusetts | $1,908 | +1% |
| California | $1,928 | +2% |
| Arizona | $2,010 | +7% |
| South Carolina | $2,022 | +7% |
| Connecticut | $2,027 | +7% |
| Delaware | $2,098 | +11% |
| Michigan | $2,122 | +12% |
| Nevada | $2,143 | +14% |
| Maryland | $2,150 | +14% |
| Colorado | $2,193 | +16% |
| New Jersey | $2,272 | +20% |
| Rhode Island | $2,298 | +22% |
| Texas | $2,307 | +22% |
| Georgia | $2,333 | +24% |
| District of Columbia | $2,453 | +30% |
| New York | $2,538 | +35% |
| Louisiana | $2,650 | +40% |
| Florida | $2,657 | +41% |
Frequently asked questions
How much does it cost to insure a Alfa Romeo?
Across 3 current Alfa Romeo models, our full-coverage estimate averages $1,887 a year for a driver in their 30s with a clean record, 19% more than the average vehicle ($1,590).
What is the cheapest Alfa Romeo to insure?
The Alfa Romeo Tonale has the lowest estimate at about $1,545 a year for full coverage; the Alfa Romeo Giulia is the most expensive at about $2,275.
Are Alfa Romeo repairs expensive for insurers?
HLDI collision-loss data for 3 Alfa Romeo models averages 146 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Alfa Romeo?
By our estimates, Maine is the cheapest state (about $1,248 a year on average across current models) and Florida the most expensive (about $2,657).
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.