Insuring a Lotus costs about $5,417 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the Elise (~$5,417/yr), the priciest the Elise (~$5,417/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 1 Lotuss that baseline spans $5,417 to $5,417 a year.
Lotus insurance cost by model
Estimated annual premium for every Lotus model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 1 of them, from the Elise up to the Elise.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Elise | $5,417/yr | 377% of avg | Pricey |
Cheapest Lotuss to insure
The Lotus models that cost the least to insure at the US average.
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Lotus insurance cost by state — all 50
Where you live moves a Lotus premium as much as which model you pick. A typical Lotus (index 377) runs about $7,510/yr in Florida but only $3,488/yr in Maine — a swing of over $4,021 on the same car.
Estimated annual premium for a typical Lotus in every state, priciest first.
| State | Typical Lotus / yr | vs US average |
|---|---|---|
| Florida | $7,510/yr | +39% vs US |
| Louisiana | $7,455/yr | +38% vs US |
| New York | $7,142/yr | +32% vs US |
| District of Columbia | $6,849/yr | +26% vs US |
| Georgia | $6,578/yr | +21% vs US |
| Texas | $6,505/yr | +20% vs US |
| Rhode Island | $6,440/yr | +19% vs US |
| New Jersey | $6,378/yr | +18% vs US |
| Colorado | $6,236/yr | +15% vs US |
| Maryland | $6,036/yr | +11% vs US |
| Nevada | $6,029/yr | +11% vs US |
| Michigan | $5,922/yr | +9% vs US |
| Delaware | $5,911/yr | +9% vs US |
| South Carolina | $5,713/yr | +5% vs US |
| Connecticut | $5,682/yr | +5% vs US |
| Arizona | $5,666/yr | +5% vs US |
| California | $5,336/yr | -1% vs US |
| Massachusetts | $5,325/yr | -2% vs US |
| Mississippi | $5,253/yr | -3% vs US |
| Oklahoma | $4,990/yr | -8% vs US |
| Missouri | $4,982/yr | -8% vs US |
| New Mexico | $4,901/yr | -10% vs US |
| Arkansas | $4,884/yr | -10% vs US |
| Utah | $4,839/yr | -11% vs US |
| Pennsylvania | $4,797/yr | -11% vs US |
| Alabama | $4,779/yr | -12% vs US |
| Oregon | $4,778/yr | -12% vs US |
| Alaska | $4,756/yr | -12% vs US |
| Illinois | $4,734/yr | -13% vs US |
| Virginia | $4,664/yr | -14% vs US |
| Washington | $4,651/yr | -14% vs US |
| West Virginia | $4,624/yr | -15% vs US |
| Minnesota | $4,609/yr | -15% vs US |
| Tennessee | $4,565/yr | -16% vs US |
| Kentucky | $4,552/yr | -16% vs US |
| Nebraska | $4,459/yr | -18% vs US |
| Montana | $4,459/yr | -18% vs US |
| Kansas | $4,452/yr | -18% vs US |
| Wyoming | $4,446/yr | -18% vs US |
| South Dakota | $4,360/yr | -20% vs US |
| North Carolina | $4,131/yr | -24% vs US |
| Ohio | $3,909/yr | -28% vs US |
| New Hampshire | $3,888/yr | -28% vs US |
| Indiana | $3,887/yr | -28% vs US |
| Iowa | $3,803/yr | -30% vs US |
| Wisconsin | $3,768/yr | -30% vs US |
| Hawaii | $3,760/yr | -31% vs US |
| Idaho | $3,696/yr | -32% vs US |
| North Dakota | $3,621/yr | -33% vs US |
| Vermont | $3,608/yr | -33% vs US |
| Maine | $3,488/yr | -36% vs US |
Estimate a specific Lotus model in your state →
Lotus insurance cost by year
A typical Lotus costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Lotus premium by year (US average):
| Year | Typical Lotus / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Lotus figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Lotus insurance — frequently asked
Is Lotus expensive to insure?
Lotus is above average — pricier than most brands to insure — a typical model runs about $5,417/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $5,417 to $5,417.
What is the cheapest Lotus to insure?
The Elise is the cheapest Lotus to insure in our data — around $5,417/yr at the national average, about -277% below a typical car.
What is the most expensive Lotus to insure?
The Elise is the priciest Lotus to insure — roughly $5,417/yr, about 277% above the average car.
How much is insurance on a Lotus per month?
A typical Lotus costs about $451/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Lotus runs about $451/month, the priciest $451.
How is this Lotus estimate calculated?
We combine each Lotus model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.