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2012 Lancia Thema - car insurance quotes

How much does it cost to insure a  Lancia Thema V8 5.700 cc?


Lowest Thema Rates $1824
Average Thema Rates $2964
Highest Thema Rates $4104
Please note that these 2012 Lancia quotations are based on current studies and are indicative only!
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How much does 2012 Lancia Thema 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 2019? Though Lancia Thema, V8 car insurance rates may vary for the same coverage depending on your location, driving history or by your age, the types of coverage are basically the same and differs only in details. The average insurance price of a used Lancia Thema is above $214 a month ($2.565 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lancia you drive (https://www.lancia.com/)! Your actual auto insurance costs could be higher or lower, if you vehicle is equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Lancia model with 368 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 Lancia Thema 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 Lancia Thema is $214 a month, which is around $2.565 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2012 Lancia Thema is a 7 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 Thema (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 Thema cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Your vehicle's performance is another important factor that determines your auto insurance rates. Lancia Thema, V8 has engine power of 5700 cc, which means it's a high performance car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates.
Insurance Company New Vehicles * Used Vehicles *
Allied $1,892 $1,824
GEICO $1,391 $1,277
Nationwide $2,029 $1,596
Progressive $844 $684
State Farm $1,140 $844
Texas Farm Bureau $1,892 $1,528
USAA $1,505 $1,277
* Rough estimate for a new vs 7 years old used Lancia Thema, V8. 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 Lancia Thema car insurance quotes and find out who has the cheapest rates in 2019!

Finding the most affordable car insurance for your Lancia, Thema 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 Lancia (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 Lancia Thema auto insurance quotes in 2019 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 Lancia Thema in 2019? As you can see below, the lowest rates are around $2280, while the highest ones fluctuate around $4788 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 $2,428
American Family  $2,394
Erie $2,383
Progressive $2,827
State Farm $3,101
Auto Owners  $2,736
State Auto  $3,169
Nationwide $3,135
Farmers $2,827
Allstate $3,876
Safe Auto  $4,218
MetLife $4,446
Victoria $4,674
Allied $3,317
Liberty Mutual $3,990
Encompass $4,845
* Just a rough estimate for 2012 Lancia Thema, V8

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Thema, make Lancia) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2019, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2018, 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 Lancia, Thema 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 Thema 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 Lancia Thema auto insurance rates by state!

How much is 2012 Lancia Thema car insurance by location - rough estimate for model:  V8, 5700 cc, Sedan
How to calculate premium for Lancia Thema (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 Thema (V8) 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 $1,710 $2,394
2 Ohio $1,733 $2,440
3 Idaho $1,778 $2,508
4 Virginia $1,847 $2,622
5 Iowa $1,915 $2,713
6 New Hampshire $2,006 $2,759
7 Wisconsin $2,029 $2,827
8 North Dakota $2,075 $2,987
9 Indiana $2,120 $3,146
10 North Carolina $2,166 $3,260
11 Pennsylvania $2,189 $3,443
12 Utah $2,234 $3,488
13 Maine $2,257 $3,557
14 Massachusetts $2,303 $3,625
15 Alaska $2,326 $3,671
16 Tennessee $2,348 $3,762
17 South Dakota $2,371 $3,967
18 Nebraska $2,394 $4,081
19 Minnesota $2,417 $4,150
20 Illinois $2,417 $4,218
21 Hawaii $2,440 $4,309
22 Alabama $2,462 $4,378
23 Oregon $2,485 $4,446
24 Missouri $2,508 $4,606
25 Washington $2,622 $4,765
26 South Carolina $2,645 $4,879
27 Kansas $2,713 $4,970
28 New Mexico $2,759 $5,084
29 Arizona $2,827 $5,130
30 New York $2,873 $5,153
31 National average $2,964 $5,221
32 New Jersey $3,010 $5,381
33 West Virginia $3,101 $5,426
34 Mississippi $3,169 $5,495
35 Maryland $3,238 $5,563
36 Montana $3,329 $5,677
37 Nevada $3,397 $5,723
38 Arkansas $3,443 $5,814
39 Kentucky $3,466 $5,905
40 Oklahoma $3,580 $5,974
41 Wyoming $3,648 $6,019
42 Colorado $3,739 $6,133
43 Texas $3,808 $6,179
44 Delaware $3,899 $6,270
45 Georgia $3,990 $6,293
46 California $4,081 $6,361
47 DC $4,150 $6,407
48 Connecticut $4,241 $6,475
49 Rhode Island $4,286 $6,498
50 Florida $4,355 $6,635
51 Louisiana $4,446 $6,726
52 Michigan $4,537 $6,840
* Compare 2012 Lancia Thema car insurance rates by location and find out who has the best insurance quotes in your area in 2019! 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

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 2012 Lancia Thema (5-speed shiftable automatic transmission, 4200 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 Lancia Thema annual insurance cost for a 16 year old is approximately $5244, while the cost of the same coverage for seniors aged 70 - 74 is $2416.8. 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 (Lancia, Thema have 5700 cc, 368 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 AgeAverage Rate (Estimate*)
16 - 19 $5,700
20 - 24 $5,107
25 - 29 $4,332
30 - 34 $3,990
35 – 39 $3,534
40 – 44 $3,192
45 – 49 $2,941
50 – 54 $2,827
55 – 59 $2,736
60 – 64 $2,668
65 – 69 $2,508
70 – 74 $2,417
75 and more $2,554
* Rough estimate for teens, adults and seniors who are driving Lancia Thema (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 $1,938 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 Lancia, Thema good for senior drivers? If you have questions or issues relevant to Lancia Thema or another vehicle, please ask in the discussion.
You know you need to insure your 2012 Rear Lancia, Thema, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Lancia Thema: Exterior Specs, Features & Options

The engine of Lancia, Thema (8 cyl) is mated to a 5-speed shiftable automatic transmission, that in this case, sends power to the Rear. Thema Sedan, 5700 CC (liter), 368 ps (98.6% of a brake horsepower) is matched to an V8 for 2012. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lancia, Thema has horsepower of 368 ps & 5700 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 V8 has an engine torque of 534 nm & 4200 rpm. The power and maximum speed of the Lancia Thema vehicle (sorry, we do not know how fast will Lancia, Thema accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Lancia, Thema Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1962 kg is the weight of this model), its engine torque and the engine rotation speed.
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Lancia, Thema: specifications

Model body: Sedan
Model doors: 4
Model drive: Rear
Model engine bore: The bore represents the size, in terms of diameter, of the cylinder in which a piston travels.
Model engine (cc): 5700
Model engine compression: is a value that represents the ratio of the volume of its combustion chamber from its largest capacity to its smallest capacity. You can find a more detailed explanation on wiki.
Model engine (cyl): 8
Model engine fuel: Gasoline
Model engine position: Front
Model engine power (ps/hp): 368
Model engine max power (rpm): 5200
Model engine stroke (mm): bore/stroke ratio (cylinder bore diameter, piston stroke)
Model engine torque (nm): 534
Model engine max torque (rpm): 4200
Model engine type: V
Model engine (valves per cyl): 2
Model fuel cap: 72
Model height: 1491
Model length: 5044
Model Lkm (city): 14.7
Model Lkm (hwy): 9.4
Model Lkm (mixed): How does the fuel economy of the 2012 Thema looks like?
Model make: Lancia
Model name: Thema
Model seats: 5
Model to 100 (Kph): How fast your 2012 Lancia Thema accelerates to 100 km/h (0-60 mph)?
Model top speed (kph): We are not sure, what is the top speed of Thema Lancia 2012, but the engine power is around 5700 cc.
Model Transmission type: 5-speed shiftable automatic
Model trim: V8
Model weight: 1962
Model wheelbase: 3053
Model width: 1905
Model year: 2012
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How does the interior of the new Thema look like? Read our review of the 2012 Lancia Thema interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used Thema V8.

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