1986 Lancia Thema - car insurance quotes

How much does it cost to insure a  Lancia Thema 2.0 IE 1.994 cc in 2023?

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The average insurance rate is at $1,077 per year for  adults, $1,787 for  teens and $893 for  senior drivers.

How much does 1986 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 2023? Lancia Thema (2.0 IE) 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 Lancia Thema is above $75 a month ($897 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 your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Lancia model with 122 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 1986 Lancia Thema is $75 a month, which is around $897 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 39-year-old classic car?

If you are an owner of 39-years-old Lancia Thema classic car, you are a happy holder of a collector's, historic, vintage or even antique car. Older vehicles are typically cheaper to insure because they are less valuable than newer models. This, unfortunately, does not apply to classic, special and historic cars older than 35 years, such as Lancia Thema made in 1986. How can you lower the cost of your classic car insurance? Limit your mileage and increase your security! Most collectible, antique and classic vehicles are poorly protected against theft. Buy and install a tracking device, alarm or anti-theft system into your 1986 Thema. Given that collector and historic automobiles are not just "consumer" vehicles, it is very important to buy a specialised classic car insurance policies to protect these antique vehicles against damage, vandalism and the increased risk of theft.

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Lancia Thema, 2.0 IE has engine power of 1994 cc, which means it is a medium-powered classic car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your historic or collector's vehicle, be sure you buy one that isn't a high performer. There are some factors to consider when insuring a classic car. Cost of sourcing parts for your model of 1986 Lancia Thema as well as the cost of repairs. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for antique car insurance coverage, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Compare 1986 Lancia Thema car insurance quotes and find out who has the cheapest rates in 2023!

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 1986) 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 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 1986 Lancia Thema in 2023? As you can see below, the lowest rates are around $797.6, while the highest ones fluctuate around $1674.96 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	$849
American Family	$830
Erie	$829
Progressive	$976
State Farm	$1,075
Auto Owners	$956
State Auto	$1,133
Nationwide	$1,101
Farmers	$961
Allstate	$1,363
Safe Auto	$1,443
MetLife	$1,539
Victoria	$1,633
Allied	$1,153
Liberty Mutual	$1,374
Encompass	$1,711
* Just a rough estimate for 1986 Lancia Thema, 2.0 IE

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 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 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 1986 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 1986 Lancia Thema auto insurance rates by state!

How to calculate premium for Lancia Thema (1986) 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 1986 Thema (2.0 IE) 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	$598	$837
2	Ohio	$606	$853
3	Idaho	$622	$877
4	Virginia	$646	$917
5	Iowa	$670	$949
6	New Hampshire	$702	$965
7	Wisconsin	$710	$989
8	North Dakota	$726	$1,045
9	Indiana	$742	$1,101
10	North Carolina	$758	$1,141
11	Pennsylvania	$766	$1,204
12	Utah	$782	$1,220
13	Maine	$790	$1,244
14	Massachusetts	$806	$1,268
15	Alaska	$814	$1,284
16	Tennessee	$822	$1,316
17	South Dakota	$830	$1,388
18	Nebraska	$837	$1,428
19	Minnesota	$845	$1,452
20	Illinois	$845	$1,476
21	Hawaii	$853	$1,507
22	Alabama	$861	$1,531
23	Oregon	$869	$1,555
24	Missouri	$877	$1,611
25	Washington	$917	$1,667
26	South Carolina	$925	$1,707
27	Kansas	$949	$1,739
28	New Mexico	$965	$1,779
29	Arizona	$989	$1,795
30	New York	$1,005	$1,803
31	National average	$1,037	$1,827
32	New Jersey	$1,053	$1,882
33	West Virginia	$1,085	$1,898
34	Mississippi	$1,109	$1,922
35	Maryland	$1,133	$1,946
36	Montana	$1,164	$1,986
37	Nevada	$1,188	$2,002
38	Arkansas	$1,204	$2,034
39	Kentucky	$1,212	$2,066
40	Oklahoma	$1,252	$2,090
41	Wyoming	$1,276	$2,106
42	Colorado	$1,308	$2,146
43	Texas	$1,332	$2,161
44	Delaware	$1,364	$2,193
45	Georgia	$1,396	$2,201
46	California	$1,428	$2,225
47	DC	$1,452	$2,241
48	Connecticut	$1,484	$2,265
49	Rhode Island	$1,499	$2,273
50	Florida	$1,523	$2,321
51	Louisiana	$1,555	$2,353
52	Michigan	$1,587	$2,393
* Compare 1986 Lancia Thema 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 1986 Lancia Thema (Manual transmission, 3300 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 $1834.48, while the cost of the same coverage for seniors aged 70 - 74 is $845.456. 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 1994 cc, 122 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	$1,755
20 - 24	$1,707
25 - 29	$1,436
30 - 34	$1,236
35 – 39	$997
40 – 44	$1,037
45 – 49	$949
50 – 54	$830
55 – 59	$1,021
60 – 64	$853
65 – 69	$893
70 – 74	$806
75 and more	$830
* Rough estimate for teens, adults and seniors who are driving Lancia Thema (1986)

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 $678 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 1986 Front 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 (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Front. Thema Sedan, 1994 CC (liter), 122 ps (98.6% of a brake horsepower) is matched to an 2.0 IE for 1986. 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 122 ps & 1994 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 2.0 IE has an engine torque of 165 nm & 3300 rpm. The power and maximum speed of the Lancia Thema vehicle (9.7/100 Kph & 195 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1150 kg is the weight of this model), its engine torque and the engine rotation speed.