2025 Insurance Costs for the 2019 Alfa Romeo Giulia

The 2019 Alfa Romeo Giulia continues to turn heads with its unmistakable Italian style and impressive performance.

As we find ourselves in mid-2025, insurance premiums for these beauties are on the rise, driven by factors like advanced driver-assistance systems (ADAS), repair costs, and shifts in the industry landscape.

With the Giulia's perfect mix of elegance and speed, owners are on the lookout for ways to enjoy the thrill without breaking the bank. This article takes a closer look at the latest costs, new offers, coverages, financial perks, savings opportunities, and price quotes specifically for 2019 models in 2025, all based on the latest data and trends.

 

Coverage Type	Driver Profile	Location	Estimated Annual Cost	Key Factors Influencing Cost
Minimum Liability	40-year-old, clean record	National Average	$1,200 - $1,800	Basic state-required coverage; lower for safe drivers in low-risk areas.
Full Coverage	40-year-old, clean record	National Average	$2,500 - $3,500	Includes collision and comprehensive; higher due to luxury parts and performance.
Full Coverage	25-year-old, clean record	National Average	$3,800 - $5,200	Younger drivers pay more due to perceived higher risk.
Full Coverage	40-year-old, clean record	California	$2,800 - $4,000	Higher rates in high-density, accident-prone states.
Full Coverage	40-year-old, clean record	Texas	$2,600 - $3,600	Influenced by urban vs. rural areas and uninsured motorist rates.
Full Coverage	40-year-old, clean record	New York	$3,000 - $4,200	Dense population and strict regulations increase premiums.
Full Coverage with High Deductible ($1,000)	40-year-old, clean record	National Average	$2,000 - $2,800	Lower premiums but higher out-of-pocket costs in claims.
Full Coverage with Accident History (1 at-fault)	40-year-old	National Average	$3,500 - $4,800	Surcharges for violations or accidents can add 30-50%.
Usage-Based (Telematics Discount)	40-year-old, safe driving	National Average	$2,200 - $3,000	Discounts up to 20% for low-mileage and safe habits via apps like Progressive Snapshot.

 

Current Average Insurance Costs for the 2019 Alfa Romeo Giulia:

For a 2019 Alfa Romeo Giulia, full coverage insurance in 2025 typically ranges from $2,468 to $3,484 annually, which breaks down to about $206 to $290 per month. These figures can vary based on factors like where you live, your age, and your driving history.

This is notably higher than the national average for luxury sedans, by about $144 to $242, reflecting the Giulia's premium parts and the complexities involved in repairs. For example, a 40-year-old driver with a clean record might expect to pay around $3,201 a year, while younger drivers could see their rates soar to $5,000 or more.

Real-world accounts from forums and reviews show that owners are paying anywhere from $93 for liability-only coverage to $221 for full coverage, with some high-cost areas like New York City seeing monthly premiums hit $192.

When compared to newer models, the 2019 Giulia’s rates are a bit lower due to depreciation, but the costs associated with ADAS-related repairs are pushing prices up across the board.

Factors Influencing Premiums and Safety Coverage:

The insurance rates for the Giulia are influenced by its safety features, which can both raise repair costs and qualify for discounts.

The 2019 model comes equipped with advanced systems like automatic emergency braking, lane-keeping assist, blind-spot monitoring, and adaptive cruise control, earning it solid ratings from the Insurance Institute for Highway Safety (IIHS).

 

These features reduce accident risks, potentially lowering premiums by 5-15% through safety discounts.

 

However, in 2025, trends show rising claims due to expensive ADAS calibrations post-collision, contributing to a 7.5% global premium increase for luxury vehicles. Other factors include the car's turbocharged engine (increasing theft appeal) and location; urban areas see higher rates due to traffic density.

Key Specifications

Body Style: 4-door mid-size sedan

Seating Capacity: 5 passengers

Engine Options:

Base: 2.0L turbocharged inline-4 (280 hp, 306 lb-ft torque)

Ti Sport: Same as base, with sport-tuned suspension

Quadrifoglio: 2.9L twin-turbo V6 (505 hp, 443 lb-ft torque)

Transmission: 8-speed automatic (all trims); Quadrifoglio also offers paddle shifters

Drivetrain: Rear-wheel drive (RWD) standard; all-wheel drive (AWD) available on non-Quadrifoglio trims

Fuel Economy (EPA Estimates):

Base/Ti: 24 mpg city / 33 mpg highway (RWD)

Quadrifoglio: 17 mpg city / 24 mpg highway

Dimensions:

Length: 182.6 inches

Width: 73.7 inches

Height: 56.5 inches

Wheelbase: 111.0 inches

Curb Weight: 3,400 - 3,800 lbs (varies by trim)

Performance:

0-60 mph: 5.5-5.7 seconds (base); 3.8 seconds (Quadrifoglio)

Top Speed: 149 mph (base); 191 mph (Quadrifoglio, limited)

Suspension: Independent double-wishbone front, multi-link rear; adaptive dampers on higher trims

Brakes: 4-wheel disc with ABS; Brembo on Quadrifoglio

Wheels/Tires: 17-19 inch alloys; performance tires on sport models

Interior Features: Leather upholstery, 8.8-inch touchscreen infotainment, Apple CarPlay/Android Auto, dual-zone climate control, available navigation and Harman Kardon audio

Safety Features: Rearview camera, blind-spot monitoring, forward collision warning (standard on most trims); optional adaptive cruise control

MSRP (Original, 2019): $40,000 - $50,000 (base to Ti); $74,000+ (Quadrifoglio)

Cargo Space: 13.4 cubic feet (trunk)

 

New Offers, Discounts, and Financial Benefits in 2025:

Insurers are rolling out fresh incentives to offset rising costs. Bundling home and auto policies can save 10-25%, while telematics programs (tracking safe driving via apps) offer up to 20% off for Giulia owners. Usage-based insurance (UBI) is a hot trend, rewarding low-mileage drivers with premiums as low as $1,737 annually from providers like State Farm.

 

Top Companies for 2019 Giulia offers:

Hanover: As low as $1,202/year for full coverage.

State Farm: Averages $1,737/year, with safe driver savings of 10-20%.

Erie and Allied: Cheapest at $22-$106/month, including multi-policy discounts.

Nationwide: Around $3,484/year, but with bundling perks.

 

Financial benefits extend to long-term savings: Over five years, owners could save $1,000+ via discounts, with plan durations typically 6-12 months for flexibility.

 

Coverage Options, Plan Durations, and Savings Strategies:

Full coverage for the Giulia includes liability ($500K limit), comprehensive (for theft/vandalism), collision, and uninsured motorist protection, essential for a luxury car prone to high repair bills. Add-ons like gap insurance cover depreciation, while roadside assistance aids with the model's occasional reliability quirks.

 

Plans last 6-12 months, with annual renewals offering rate locks. Savings strategies: Maintain a clean record for 10-20% off, install anti-theft devices for 5%, or opt for higher deductibles ($500+) to drop premiums by 15%. In 2025, eco-friendly driving via telematics could yield additional green discounts.

 

Key Aspect	Details	Average Cost/Savings (2025)
Annual Premium	Full coverage for the 2019 Giulia	$2,468 - $3,484/year
Monthly Breakdown	Liability vs. Full	$93 (liability) - $290 (full)
Top Discounts	Safe driving, bundling, and telematics	10-25% off ($250-$800/year)
Safety Coverage	ADAS features (braking, lane assist)	Reduces risk; 5-15% premium discount
Plan Duration	Standard term	6-12 months, renewable
Financial Benefits	Multi-policy, UBI programs	Up to $1,000 over 5 years
Best Providers	Hanover, State Farm, Erie	$1,202 - $1,737/year starting rates

 

Alfa Romeo Stelvio

Alfa Romeo TI Sports

Frequently Asked Questions:

Why are insurance costs rising for the 2019 Giulia in 2025?

Primarily due to ADAS repair expenses and general inflation in luxury auto claims, up 7.5% globally.

 

What discounts are new for 2025?

Telematics for safe driving (up to 20%) and UBI policies rewarding low usage.

 

Is full coverage worth it for a 2019 model?

Yes, given high repair costs ($3,000+ for ADAS fixes) and the car's value.

 

How do safety features affect rates?

They qualify for discounts, but increase repair bills if damaged.

 

Can I get a quote online?

Yes, via sites like The Zebra or Compare.com for instant comparisons.

 

Conclusion:

As 2025 unfolds, insuring a 2019 Alfa Romeo Giulia demands savvy shopping amid rising trends, but with new discounts, robust safety coverages, and competitive offers from providers like State Farm and Hanover, owners can achieve significant savings, potentially $500+ annually through bundling and safe driving.

 

While premiums hover around $2,500-$3,500, the Giulia's exhilarating drive makes it worthwhile. Shop around, leverage UBI, and enjoy the road ahead with peace of mind. For personalized quotes, consult insurers directly and stay updated on industry shifts.