Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Lotus insurance rates

Compare car insurance for Lotus

Updated

Fact checked
Lotus Evora

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

Average insurance cost for a Lotus

The average insurance cost of a Lotus varies depending on the model you choose, your location, your driving history and many other factors. But you can expect to pay a heft monthly premium for this ultra-high-end sports car.

Other factors that affect the price of insurance include safety ratings, its likelihood of being stolen and how costly it is to repair or replace.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience.
  • Easy online sign-up and reporting.
  • Multiple discounts available.
  • Transparent quoting.
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Find your Lotus model

Compare insurance for Lotus cars

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Branch
Optional
No
AZ, MO, IL, OH and TX
Get an online quote with just your name and address and find out if you could save by bundling home and auto insurance.
loading

Compare up to 4 providers

How to compare car insurance for a Lotus

The price to insure your Lotus will vary depending on the type and number of coverage you want in your policy. You should consider higher maximum limits and comprehensive coverage for your Lotus to fully protect it.

Not every insurance company sells specialty/high-end car insurance. It takes a high-end provider to be willing to underwrite your Lotus. You’ll find a few big-name providers that offer coverage, but you may need to look into specialty insurers of exotic vehicles and sports cars. This type of coverage is sometimes called luxury car insurance.

Why is Lotus insurance so expensive?

Lotuses are some of the most expensive vehicles to insure. A Lotus’ high price tag means pricey car insurance. The fact that it’s a sports car can also negatively affect insurance costs — insurance companies make certain assumptions about the driving habits of sports car owners.

Are there any standout Lotus models?

The fastest — and most expensive — Lotus to date is the 3-Eleven 430. It reaches 60 mph in 3.1 seconds, propelled by a 3.5 liter V6 engine that produces 430 hp and 440 Nm. And the 3-Eleven’s lightweight carbon-composite body and low-inertia flywheel help this speedster to reach a top speed of 180 mph.

Pros and cons of insuring a Lotus

Pros

  • Not commonly targeted by thieves

Cons

  • Expensive to repair or replace
  • Fast sports car

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

About the Lotus brand

Lotus was established in England in 1952 and began building cars aimed at race car drivers. It wasn’t until the ’70s that Lotus began producing four-seater autos for the sophisticated driver.

After nearing bankruptcy in the ’80s, Lotus was first acquired by Toyota then GM and is now owned by Proton, a Malaysian car company.

Lotus dealerships also offer financing for your Lotus model if you’re thinking of buying one. Not sure you want to be a Lotus owner? You can also lease a Lotus to test drive this fancy car.

What’s the Lotus Driving Academy?

Drivers of all levels and experience can get one-on-one training on the tracks at one of Lotus’ five Driving Academies. Get behind the wheel of a Lotus with the guidance of world-class instructors and learn advanced driving techniques like power sliding. US Lotus Driving Academy locations can be found in Houston, Texas, and Palm Springs, California.

Compare Lotus competitors

Need help considering some other car manufacturers?

Compare all car makes

Bottom line

Like its high price tag, this performance sports car will come with high insurance premiums, so be sure to shop around to find the best car insurance for you.

Frequently asked questions about Lotus

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site