2012 Lada Niva - car insurance quotes

How much does it cost to insure a  Lada Niva 1.7 Kult 1.688 cc in 2023?

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The average insurance rate is at $912 per year for  adults, $1,512 for  teens and $756 for  senior drivers.

How much does 2012 Lada Niva car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Lada Niva (1.7 Kult) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Lada Niva is above $63 a month ($760 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lada you drive (http://www.lada.ru/en/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Lada model with 82 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Lada Niva if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2012 Lada Niva is $63 a month, which is around $760 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2012 Lada Niva is a 13 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Niva (2012) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Niva cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Lada Niva, 1.7 Kult has engine power of 1688 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$560	$540
GEICO	$412	$378
Nationwide	$601	$473
Progressive	$250	$203
State Farm	$338	$250
Texas Farm Bureau	$560	$452
USAA	$446	$378
* Rough estimate for a new vs 13 years old used Lada Niva, 1.7 Kult. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2012 Lada Niva car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Lada, Niva is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Lada (made in 2012) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Lada Niva auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2012 Lada Niva in 2023? As you can see below, the lowest rates are around $675.2, while the highest ones fluctuate around $1417.92 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$719
American Family	$702
Erie	$702
Progressive	$826
State Farm	$910
Auto Owners	$809
State Auto	$959
Nationwide	$932
Farmers	$814
Allstate	$1,154
Safe Auto	$1,221
MetLife	$1,303
Victoria	$1,383
Allied	$976
Liberty Mutual	$1,163
Encompass	$1,448
* Just a rough estimate for 2012 Lada Niva, 1.7 Kult

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Niva, make Lada) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Lada, Niva will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2012 Niva car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2012 Lada Niva auto insurance rates by state!

How to calculate premium for Lada Niva (2012) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2012 Niva (1.7 Kult) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$506	$709
2	Ohio	$513	$722
3	Idaho	$527	$743
4	Virginia	$547	$776
5	Iowa	$567	$803
6	New Hampshire	$594	$817
7	Wisconsin	$601	$837
8	North Dakota	$614	$885
9	Indiana	$628	$932
10	North Carolina	$641	$966
11	Pennsylvania	$648	$1,020
12	Utah	$662	$1,033
13	Maine	$668	$1,053
14	Massachusetts	$682	$1,074
15	Alaska	$689	$1,087
16	Tennessee	$695	$1,114
17	South Dakota	$702	$1,175
18	Nebraska	$709	$1,209
19	Minnesota	$716	$1,229
20	Illinois	$716	$1,249
21	Hawaii	$722	$1,276
22	Alabama	$729	$1,296
23	Oregon	$736	$1,317
24	Missouri	$743	$1,364
25	Washington	$776	$1,411
26	South Carolina	$783	$1,445
27	Kansas	$803	$1,472
28	New Mexico	$817	$1,506
29	Arizona	$837	$1,519
30	New York	$851	$1,526
31	National average	$878	$1,546
32	New Jersey	$891	$1,593
33	West Virginia	$918	$1,607
34	Mississippi	$939	$1,627
35	Maryland	$959	$1,647
36	Montana	$986	$1,681
37	Nevada	$1,006	$1,695
38	Arkansas	$1,020	$1,722
39	Kentucky	$1,026	$1,749
40	Oklahoma	$1,060	$1,769
41	Wyoming	$1,080	$1,783
42	Colorado	$1,107	$1,816
43	Texas	$1,128	$1,830
44	Delaware	$1,155	$1,857
45	Georgia	$1,182	$1,864
46	California	$1,209	$1,884
47	DC	$1,229	$1,897
48	Connecticut	$1,256	$1,918
49	Rhode Island	$1,269	$1,924
50	Florida	$1,290	$1,965
51	Louisiana	$1,317	$1,992
52	Michigan	$1,344	$2,026
* Compare 2012 Lada Niva car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2012 Lada Niva (Manual transmission, 4000 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Lada Niva annual insurance cost for a 16 year old is approximately $1552.96, while the cost of the same coverage for seniors aged 70 - 74 is $715.712. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Lada, Niva have 1688 cc, 82 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$1,485
20 - 24	$1,445
25 - 29	$1,215
30 - 34	$1,047
35 – 39	$844
40 – 44	$878
45 – 49	$803
50 – 54	$702
55 – 59	$864
60 – 64	$722
65 – 69	$756
70 – 74	$682
75 and more	$702
* Rough estimate for teens, adults and seniors who are driving Lada Niva (2012)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $574 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Lada, Niva good for senior drivers? If you have questions or issues relevant to Lada Niva or another vehicle, please ask in the discussion.

You know you need to insure your 2012 4WD Lada, Niva, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Lada Niva: Exterior Specs, Features & Options

The engine of Lada, Niva (4 cyl) is mated to a Manual transmission, that in this case, sends power to the 4WD. Niva SUV, 1688 CC (liter), 82 ps (98.6% of a brake horsepower) is matched to an 1.7 Kult for 2012. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lada, Niva has horsepower of 82 ps & 1688 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 1.7 Kult has an engine torque of 128 nm & 4000 rpm. The power and maximum speed of the Lada Niva vehicle (19/100 Kph & 137 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1285 kg is the weight of this model), its engine torque and the engine rotation speed.