Lotus Evora car insurance rates | finder.com
Lotus Evora car insurance rates

Lotus Evora car insurance rates

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Modest insurance rates for this flashy sports car might surprise you.

According to our research, the average cost to insure the Lotus Evora is around $144 a month — or $1,728 a year. This rate can wildly fluctuate though, depending on your age, driving history, coverage options and discounts you qualify for.

How to compare insurance for the Lotus Evora

Consider these factors when shopping for insurance for your Lotus Evora.

  • Price. According to online reviews, shopping around for a better price on the Lotus Evora could save you some serious cash, even if you’ve been with your current insurer for years.
  • Deductible. If you want to drive down the cost of insurance, you could take a higher deductible. Just make sure you have that cash on hand in case you’re in an accident.
  • Coverage. Your policy should cover at least your state’s minimum insurance requirements, but you may want to compare pricing for enhanced options like comprehensive and collision coverage, too.
  • Restrictions. While most big-name national insurance brands cover the Evora, some won’t, so you might have to shop around before finding the right fit for you.

Compare insurance providers that cover the Lotus Evora

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

What factors affect car insurance for the Lotus Evora?

As a luxury sports car boasting 400 horsepower and sticker prices starting at $89,900, the Lotus Evora can be costlier than your average sedan to insure. Your rates could also be affected by the Evora model you have and whether or not yours is automatic or manual, since there’s a difference in price and top speeds.

Premiums for your Lotus Evora are also be affected by how much you drive it each year. If you only take your luxury car out for a spin every few months and aren’t using it as your daily driver, your rate likely be much lower.

Driver factors and insurance costs

Aside from the make and model of your car, driver factors like your age, gender, location, marital status, credit score and driving record also play a role in determining your premium. And if you have drivers under the age of 25 who are be on your policy, your premiums could skyrocket.

Does the Lotus Evora qualify for discounts?

Yes, the Lotus Evora comes standard with safety features that could qualify you for a discount.

  • Airbags
  • Antilock brakes
  • Stability control
  • Antitheft ignition disable device
  • Side-impact beams
  • Rear parking sensors
  • Pretensioners

Reliability and safety ratings for the Lotus Evora

The Lotus Evora is not officially rated for safety or reliability. However, because the Evora uses a Toyota Camry engine, reviews for this vehicle give it two thumbs up for reliability.

The Evora also tends to hold its market value better than most other sports cars out there. So if you’re thinking about buying a used Evora, you could snap up a bargain and still get a decent insurance rate.

Do other Lotus cars use Toyota engines?

Yes, Lotus has been using Toyota engines for years, including in the Elise and Exige. But that doesn’t mean these cars don’t have some serious speed to them. A lighter body and centralized placement of the supercharged engine let the Lotus reach top speeds up to 190 mph in a snap.

The fact that the Lotus comes with such a common engine could help lower your insurance rates quite a bit, since parts should be easy to find.

Compare Lotus Evora competitors

Looking for other car brands? Compare makes and models that are similar to the Lotus Evora.

Bottom line

If you want a fast, flashy sports car that won’t break the bank to insure, the Lotus Evora could be it. Plus, with a Toyota engine, finding parts should be a breeze if it ever needs repaired.

Compare insurance rates from multiple providers to find the best value on coverage that makes sense for your budget and needs.

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Frequently asked questions about the Lotus Evora

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Gabrielle Pastorek

Gabrielle Pastorek writes about fashion, beauty and finance. Gabrielle loves helping people find a great deal, whether it's in their shopping cart or on a credit card. In her free time, she exercises her creative muscles by writing short stories.

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