Why Alfa Romeo 4C Insurance Costs So Much and What You Can Do

How much does Alfa Romeo 4C insurance cost? We compared car insurance rates on the sporty convertible to the competition to see how prices rank.

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How much does Alfa Romeo 4C car insurance cost?

Alfa Romeo 4C insurance cost an average of $2,738 a year, or around $228 if paid each month. With the average sports car costing $2,882 a year to insure, the Alfa Romeo 4C would save $144 per year over the average cost for the segment.

The chart below details average car insurance cost for a 2020 Alfa Romeo 4C using an assortment of different driver ages and risk profiles.

Average 2020 Alfa Romeo 4C insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Alfa Romeo 4C insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2020 model year Alfa Romeo 4C with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Alfa Romeo 4C trim levels.

2020 Alfa Romeo 4C Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,236$520
Safe Driver Age 20$5,464$455
At-fault Accidents Age 40$3,840$320
Low Deductibles Age 40$3,630$303
Safe Driver Age 30$2,926$244
Safe Driver Age 40$2,738$228
Safe Driver Age 50$2,414$201
High Deductibles Age 40$2,274$190
Discount Rate Age 40$2,272$189
Safe Driver Age 60$2,258$188

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Alfa Romeo 4C trim levels. Updated June 26, 2025

How do insurance rates rank for the 4C?

The Alfa Romeo 4C ranks 14th out of 25 comparison vehicles in the sports car class. The 4C costs an estimated $2,738 per year to insure for full coverage, while the class average rate is $2,882 per year, a difference of $144 per year.

When compared to other sports cars, insurance for an Alfa Romeo 4C costs $514 less per year than the Lexus LC 500, $1,104 less than the BMW i8, $448 less than the Jaguar F-Type, and $192 more than the Porsche 718.

The table below shows how average Alfa Romeo 4C car insurance rates compare to other popular sports cars for the 2020 model year. Each model is ranked for insurance affordability and also shows the difference in insurance cost from the 4C.

Insurance Cost Comparison: Alfa Romeo 4C vs Sports Cars
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,760-$978
2Ford Mustang$2,128-$610
3BMW Z4$2,188-$550
4Audi TT$2,290-$448
5Subaru WRX$2,320-$418
6Nissan 370Z$2,360-$378
7Toyota Supra$2,372-$366
8Subaru BRZ$2,482-$256
9BMW M2$2,486-$252
10Chevrolet Corvette$2,520-$218
11Porsche 718$2,546-$192
12Chevrolet Camaro$2,646-$92
13Lexus RC F$2,656-$82
14Alfa Romeo 4C$2,738--
15Dodge Challenger$2,792$54
16Mercedes-Benz AMG GT53$2,880$142
17Jaguar F-Type$3,186$448
18Lexus LC 500$3,252$514
19BMW M4$3,342$604
20Porsche 911$3,364$626
21Mercedes-Benz AMG GT63$3,810$1,072
22Acura NSX$3,834$1,096
23BMW i8$3,842$1,104
24Audi R8$4,120$1,382
25Nissan GT-R$4,128$1,390

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 27, 2025

At $2,738 per year, insurance cost for a 2020 Alfa Romeo 4C ranks 14th out of 25 models in the sports car segment
At $2,738 per year, insurance cost for a 2020 Alfa Romeo 4C ranks 14th out of 25 models in the sports car segment

How much less is car insurance on a used 4C?

Insuring a 2015 Alfa Romeo 4C instead of the 2020 model could save around $716 per year. Older models generally cost less to insure due to lower market value, but it’s not guaranteed that a newer model will cost more than the prior year.

The data below shows the average car insurance cost for an Alfa Romeo 4C for different driver ages for the 2015 through 2020 model years. Policy costs range from the least expensive rate of $1,680 for a 60-year-old driver rated on a 2015 Alfa Romeo 4C to the most expensive rate of $5,170 for a 20-year-old driving a 2018 model year 4C.

Alfa Romeo 4C Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2020 Alfa Romeo 4C$5,464$2,738$2,258
2019 Alfa Romeo 4C$5,296$2,648$2,194
2018 Alfa Romeo 4C$5,170$2,590$2,150
2017 Alfa Romeo 4C$4,862$2,430$2,026
2016 Alfa Romeo 4C$4,460$2,216$1,836
2015 Alfa Romeo 4C$4,066$2,022$1,680

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Alfa Romeo 4C trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2015 to 2020 Alfa Romeo 4C models for drivers age 20, 40 and 60
Average insurance rates for 2015 to 2020 Alfa Romeo 4C models for drivers age 20, 40 and 60