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 $2,218 a year, or around $185 if paid each month. With the average sports car costing $2,335 a year to insure, the Alfa Romeo 4C would save $117 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.

Figure 1: Average 2020 Alfa Romeo 4C insurance premiums for different driver ages and risk scenarios. Rates updated on February 26, 2024.

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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.

Alfa Romeo 4C Insurance Cost Summary
2020 Alfa Romeo 4C Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,052$421
Safe Driver Age 20$4,428$369
At-fault Accidents Age 40$3,110$259
Low Deductibles Age 40$2,942$245
Safe Driver Age 30$2,374$198
Safe Driver Age 40$2,218$185
Safe Driver Age 50$1,958$163
High Deductibles Age 40$1,844$154
Discount Rate Age 40$1,842$154
Safe Driver Age 60$1,832$153

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 February 26, 2024

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 $2,218 per year to insure for full coverage, while the class average rate is $2,335 per year, a difference of $117 per year.

When compared to other sports cars, insurance for an Alfa Romeo 4C costs $418 less per year than the Lexus LC 500, $894 less than the BMW i8, $364 less than the Jaguar F-Type, and $176 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$1,428-$790
2Ford Mustang$1,724-$494
3BMW Z4$1,772-$446
4Audi TT$1,856-$362
5Subaru WRX$1,880-$338
6Nissan 370Z$1,912-$306
7Toyota Supra$1,922-$296
8Subaru BRZ$2,014-$204
9BMW M2$2,014-$204
10Porsche 718$2,042-$176
11Chevrolet Corvette$2,044-$174
12Chevrolet Camaro$2,150-$68
13Lexus RC F$2,152-$66
14Alfa Romeo 4C$2,218--
15Dodge Challenger$2,262$44
16Mercedes-Benz AMG GT53$2,334$116
17Jaguar F-Type$2,582$364
18Lexus LC 500$2,636$418
19BMW M4$2,708$490
20Porsche 911$2,726$508
21Mercedes-Benz AMG GT63$3,088$870
22Acura NSX$3,106$888
23BMW i8$3,112$894
24Audi R8$3,340$1,122
25Nissan GT-R$3,346$1,128

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 February 23, 2024

Insurance Cost Comparison: Alfa Romeo 4C vs Sports Cars

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

Insuring a 2015 Alfa Romeo 4C instead of the 2020 model could save around $580 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 $1,362 for a 60-year-old driver rated on a 2015 Alfa Romeo 4C to the most expensive rate of $4,192 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$4,428$2,218$1,832
2019 Alfa Romeo 4C$4,292$2,144$1,778
2018 Alfa Romeo 4C$4,192$2,100$1,742
2017 Alfa Romeo 4C$3,938$1,972$1,642
2016 Alfa Romeo 4C$3,614$1,794$1,490
2015 Alfa Romeo 4C$3,294$1,638$1,362

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 February 23, 2024

Alfa Romeo 4C Insurance Cost by Model Year