2012 Lotus Exige - car insurance quotes

How much does it cost to insure a  Lotus Exige S240 1.800 cc in 2023?

---

The average insurance rate is at $972 per year for  adults, $1,613 for  teens and $806 for  senior drivers.

How much does 2012 Lotus Exige 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? Lotus Exige (S240) 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 Lotus Exige is above $68 a month ($810 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lotus you drive (http://www.lotuscars.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 Lotus model with 243 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 Lotus Exige 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 Lotus Exige is $68 a month, which is around $810 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2012 Lotus Exige 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 Exige (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 Exige cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

---

Lotus Exige, S240 has engine power of 1800 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	$598	$576
GEICO	$439	$403
Nationwide	$641	$504
Progressive	$266	$216
State Farm	$360	$266
Texas Farm Bureau	$598	$482
USAA	$475	$403
* Rough estimate for a new vs 13 years old used Lotus Exige, S240. 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 Lotus Exige car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Lotus, Exige 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 Lotus (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 Lotus Exige 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 Lotus Exige in 2023? As you can see below, the lowest rates are around $720, while the highest ones fluctuate around $1512 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	$767
American Family	$749
Erie	$748
Progressive	$881
State Farm	$971
Auto Owners	$863
State Auto	$1,022
Nationwide	$994
Farmers	$868
Allstate	$1,230
Safe Auto	$1,302
MetLife	$1,390
Victoria	$1,475
Allied	$1,040
Liberty Mutual	$1,241
Encompass	$1,544
* Just a rough estimate for 2012 Lotus Exige, S240

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Exige, make Lotus) 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 Lotus, Exige 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 Exige 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 Lotus Exige auto insurance rates by state!

How to calculate premium for Lotus Exige (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 Exige (S240) 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	$540	$756
2	Ohio	$547	$770
3	Idaho	$562	$792
4	Virginia	$583	$828
5	Iowa	$605	$857
6	New Hampshire	$634	$871
7	Wisconsin	$641	$893
8	North Dakota	$655	$943
9	Indiana	$670	$994
10	North Carolina	$684	$1,030
11	Pennsylvania	$691	$1,087
12	Utah	$706	$1,102
13	Maine	$713	$1,123
14	Massachusetts	$727	$1,145
15	Alaska	$734	$1,159
16	Tennessee	$742	$1,188
17	South Dakota	$749	$1,253
18	Nebraska	$756	$1,289
19	Minnesota	$763	$1,310
20	Illinois	$763	$1,332
21	Hawaii	$770	$1,361
22	Alabama	$778	$1,382
23	Oregon	$785	$1,404
24	Missouri	$792	$1,454
25	Washington	$828	$1,505
26	South Carolina	$835	$1,541
27	Kansas	$857	$1,570
28	New Mexico	$871	$1,606
29	Arizona	$893	$1,620
30	New York	$907	$1,627
31	National average	$936	$1,649
32	New Jersey	$950	$1,699
33	West Virginia	$979	$1,714
34	Mississippi	$1,001	$1,735
35	Maryland	$1,022	$1,757
36	Montana	$1,051	$1,793
37	Nevada	$1,073	$1,807
38	Arkansas	$1,087	$1,836
39	Kentucky	$1,094	$1,865
40	Oklahoma	$1,130	$1,886
41	Wyoming	$1,152	$1,901
42	Colorado	$1,181	$1,937
43	Texas	$1,202	$1,951
44	Delaware	$1,231	$1,980
45	Georgia	$1,260	$1,987
46	California	$1,289	$2,009
47	DC	$1,310	$2,023
48	Connecticut	$1,339	$2,045
49	Rhode Island	$1,354	$2,052
50	Florida	$1,375	$2,095
51	Louisiana	$1,404	$2,124
52	Michigan	$1,433	$2,160
* Compare 2012 Lotus Exige 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 Lotus Exige (Manual transmission, 5500 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 Lotus Exige annual insurance cost for a 16 year old is approximately $1656, while the cost of the same coverage for seniors aged 70 - 74 is $763.2. 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 (Lotus, Exige have 1800 cc, 243 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	$1,584
20 - 24	$1,541
25 - 29	$1,296
30 - 34	$1,116
35 – 39	$900
40 – 44	$936
45 – 49	$857
50 – 54	$749
55 – 59	$922
60 – 64	$770
65 – 69	$806
70 – 74	$727
75 and more	$749
* Rough estimate for teens, adults and seniors who are driving Lotus Exige (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 $612 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 Lotus, Exige good for senior drivers? If you have questions or issues relevant to Lotus Exige or another vehicle, please ask in the discussion.

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

Lotus Exige: Exterior Specs, Features & Options

The engine of Lotus, Exige (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Rear. Exige Coupe, 1800 CC (liter), 243 ps (98.6% of a brake horsepower) is matched to an S240 for 2012. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lotus, Exige has horsepower of 243 ps & 1800 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 S240 has an engine torque of 230 nm & 5500 rpm. The power and maximum speed of the Lotus Exige vehicle (sorry, we do not know how fast will Lotus, Exige accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Lotus, Exige Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (942 kg is the weight of this model), its engine torque and the engine rotation speed.