Alfa Romeo Giulia Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Alfa Romeo Giulia costs more than most other cars to insure.
• Liability car insurance for a Giulia averages around $85 monthly, while full coverage typically runs about $228 per month.
• The most affordable auto insurance company for a Giulia is CSAA, who offers liability only coverage for sometimes as low as $37 a month, on average.

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Giulia Overview

With a base price of just $39,500 for 2021 models, the Alfa Romeo Giulia is a great budget-friendly option for any driver. With three different trim levels currently offered, you'll be sure to find an option to fit your style.

We combed through thousands of insurance quotes on Compare.com, and we've found that Alfa Romeo Giulia car insurance rates average out to around $199 per month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for an Alfa Romeo Giulia?

In the table above, you'll see that insurance premiums for an Alfa Romeo Giulia are above average. On average, Giulia owners will pay about $85 monthly for liability insurance, and around $228 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).

When you compare it to other Alfa Romeo models, the Giulia's insurance rate is in line with the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, auto insurance for a Giulia is similarly on the expensive side, with liability only insurance prices coming in about $2 more and $51 more for full coverage.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, no matter which make, body style, or model you compare it to.

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Who has the Cheapest Car Insurance for an Alfa Romeo Giulia?

If you're searching for a new auto insurance policy for your Alfa Romeo Giulia, you most likely want to know which carrier offers the lowest rates. Although rates can differ pretty significantly from policyholder to policyholder, Encompass provides the lowest average rates for liability only coverage, with rates as low as just $33 monthly. With car insurance sometimes as little as $36 per month, Shelter Mutual is the next cheapest car insurance company.

CSAA, Safeco, and FirstChicago finish off the rest of the top 5. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take many different things into consideration when calculating monthly prices. By pulling quotes from quite a few insurance carriers at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for an Alfa Romeo Giulia?

As we mentioned above, there are a whole bunch of variables that auto insurance companies reference to calculate how much they charge you -- and each carrier weighs certain pieces more than others, so there's not a single company that's the lowest for everyone.

The sections below show a bunch of factors car insurance carriers use to calculate rates:

Vehicle Age

The Alfa Romeo Giulia has been around for a few years -- that means vehicle age may make a difference in what you end up paying for insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

As you can see in the information above, the Alfa Romeo Giulia follows this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are Giulias that are 4 to 5 years old, on average.

Your Age

Age makes a big difference in how much auto insurance companies will charge. Based on the information above, young drivers pay more for car insurance than drivers who have more experience on the road. In this case, drivers between 18 and 24 pay $12 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Giulia drivers.

Your Gender

Did you know men tend to pay more for insurance than women? This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim. Surprisingly, when it comes to Giulia drivers specifically, men pay around 1% less than women every month for auto insurance.

Where You Live

You may already know that things such as what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live matters, too? Because auto insurance is regulated at the state level, premiums can fluctuate quite a bit from state to state.

For example, the average Alfa Romeo Giulia driver in New York pays about $188 a month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price.

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Alfa Romeo Giulia Car Insurance Discounts

No matter your age, your car, or your home state, it's always a smart move 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 that you'll find with most insurers. These include things like:

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

While these are just a few of the discounts auto insurance companies offer, there are countless other ways to save money on you monthly insurance bill. And often, the best way to save isn't through a "discount" at all, but rather by having a good driving record and positive insurance profile.

Even though you may not have control of every factor car insurance carriers look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the factors you can use to your favor when it comes to saving some cash:

Your Driving Record

You've almost certainly heard ads from insurance companies promoting large discounts for good drivers. It follows that your auto insurance prices will go higher if you get cited for speeding or get into an accident. But exactly how much can these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost Giulia drivers more than tickets, but both will result in higher than normal rates. Alfa Romeo Giulia drivers with a single accident on their record pay an average of $103 per month (up $18 from the $85/mo. overall average), while drivers with one ticket will pay about $89 monthly. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that plays a role in your insurance premiums is the total amount of miles you drive each year. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll usually end up spending less on car insurance. Based on the table above, you can see that Alfa Romeo Giulia owners who drive fewer than 2,500 miles each year pay an average of $79 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $80.

If you don't drive much because you work from home or have a second vehicle, it may be worth learning about pay-per-mile or usage-based insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Alfa Romeo Giulias Compare to Other Vehicles?

If you're thinking about purchasing a new car and an Alfa Romeo Giulia is on your shortlist, you're probably wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Visit the table below to see how the Alfa Romeo Giulia stacks up:

Overall, the Alfa Romeo Giulia has an MSRP that's on par with the going rate for a new vehicle. The Giulia's $46,296 base MSRP is right on trend with the national average of $39,500.

Liability insurance for an Alfa Romeo Giulia is around $24 per month less than average, while full coverage is over $40 more a month.

However, it is worth noting that the Giulia owners tend to drive their cars less than the average American driver, with only 9,359 annual miles for the average owner.

Alfa Romeo Giulia Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's car insurance rates. But if you're in thinking about buying a new car, truck, or SUV and the Giulia is on your wishlist, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

Choose Your Model

2021 Alfa Romeo Giulia Car Insurance 2020 Alfa Romeo Giulia Car Insurance 2019 Alfa Romeo Giulia Car Insurance 2018 Alfa Romeo Giulia Car Insurance 2017 Alfa Romeo Giulia Car Insurance

2021 Alfa Romeo Giulia Car Insurance

It costs about $57 monthly for liability or $210 for a full coverage policy for the 2021 Alfa Romeo Giulia.

DirectGeneral has premiums as cheap as just $32 per month for the 2021 Alfa Romeo Giulia.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2020 Alfa Romeo Giulia Car Insurance

On average, drivers who own a 2020 Giulia can expect to pay $93 to $233 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2020 Alfa Romeo Giulia insurance policy, Clearcover offered the cheapest policy we found, with rates as cheap as $19 a month.

While these are good estimates of what the average driver might pay to insure a 2020 Alfa Romeo Giulia, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2019 Alfa Romeo Giulia Car Insurance

2019 Alfa Romeo Giulia drivers can expect to pay an average of $93 per month for liability or $221 for full coverage.

DirectGeneral offered the most affordable policy we found, with rates sometimes as cheap as $25 monthly.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2018 Alfa Romeo Giulia Car Insurance

The average cost to insure a 2018 Giulia with liability only coverage is $82 a month, while full coverage runs around $225 per month.

With rates as little as $21 monthly, Hugo offered the lowest policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2017 Alfa Romeo Giulia Car Insurance

You can expect full coverage for a 2017 Alfa Romeo Giulia to run about $235 a month, while liability only coverage will average around $81 per month.

Looking for the cheapest policy? Clearcover offered liability only coverage for as little as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Alfa Romeo Giulia Insurance FAQs

Is an Alfa Romeo Giulia expensive to insure?

The Alfa Romeo Giulia is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $85 a month, while full coverage will cost you around $228.

How can I get the best price on car insurance for my Alfa Romeo Giulia?

The only way to make sure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from multiple 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 lots of 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 Giulia affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's actually a myth. There are several things insurance carriers look at when they calculate how much your policy will be, but your Giulia's color is not one of them.

Do I need to have insurance before I buy an Alfa Romeo Giulia?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships may offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my Alfa Romeo Giulia?

You will find multiple different discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Alfa Romeo Giulia you drive, but if your Giulia has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to be certain is to contact your insurance carrier and ask about their discounts.