What would it cost to insure the DeLorean?

10 December 2015
“Roads? Where we’re going, we don’t need roads.” (Doc Brown)

2015 marked the date Marty McFly visited when he travelled to the future in the infamous DeLorean in Back to the Future Part II: 21 October 2015. Here at Canstar, we celebrated in style by calculating how much it would cost to insure the DeLorean.

(We’re crazy party folk here.)

Cost to insure the DeLorean

We have made the following basic assumptions in preparing this quote:

  • Travels 10,000 to 15,000 km/year (excluding time travel)
  • Car normally resides in a garage
  • Car normally resides in a neighbourhood with a low theft risk
  • Primary driver (Doc Brown) is over 25 years old
  • Secondary driver (Marty McFly) has a P-plate licence because he’s still in high school

After that, obtaining a quote was still a little tricky.

First off, the DeLorean is hard to price. It was designed by Lotus with a distinctive unpainted, stainless steel body, and gull-wing doors that opened vertically – which led to the car being chosen for the film as looking “futuristic”.

Now, one of the seven models used in the movie  sold in 2011 for $541,000 – but imagine how much they would be worth if they could actually fly! But the 9,200 DeLoreans not built for the movie series were valued at just $25,000 to $30,000.

For this reason, we’ve obtained quotes for two different Lotus models to get as close as we could to the cost for insuring a movie or a non-movie DeLorean:

  • 1980 Lotus Esprit (the Australian version of the non-movie DeLoreans): costs $40,000 new
  • 2013 Lotus Evora S – the grandchild of the DeLorean: costs around $200,000 new

Secondly, when you’re getting a quote for car insurance you have to answer a few questions that may put Marty and Doc Brown in the Captain Risky insurance category (if they’d ever been caught driving the way they do):

  • Have you made any claims for damage to your car within the past 3 years?
  • Have any drivers of the car had their licence suspended?
  • Has the owner of the car (Doc Brown) ever had their car insurance cancelled or voided, refused, or had special conditions imposed?

Quote for car insurance from major insurance providers

Insurance Type Premium for 1980

$40k Lotus Esprit

Premium for 2013

$200k Lotus Evora

Comprehensive + Roadside Assist

(insured for full market value)

$1,272 / year

$106 / month

$3,603 / year

$300 / month


(insured for market value
up to approx $100k)

$1,235 / year

$106 / month

$3,603 / year

$300 / month

Third Party, Fire and Theft

(insured for $10,000)

$441 / year

$36 / month

Not available

because of high worth

of vehicle

Indicative quote only, based on providers on Canstar database.

We found that there was a wide range of premiums between the insurance providers we surveyed for quotes for the Lotus Evora. This is because of the difference in the market values each insurer was prepared to insure the car for, as some insurers were only willing to insure the car up to a “sum insured” amount of approximately $100,000 rather than the full market value.

It just goes to show that you should always compare car insurance policies on our website before signing up for the first provider you see!

Why staying safe on the road can get you cheaper car insurance

If you’re willing to drive more safely than Doc Brown and Marty, you might be eligible for some good safety-related discounts on your insurance premium:

  • No Claim Bonus: You can get a discount on your car insurance premium for getting into no accidents and therefore making no claims. (Although using lightning to jump-start your car is probably not the best way to maintain your no claim bonus…)
  • Loyalty Discount: A reward for sticking with the one insurance provider for more than 1 or 2 years. (With all the time travel, Doc Brown and Marty should qualify for a pretty solid loyalty discount.)

See what discounts you might qualify for and find out whether you could be getting a better deal on your car insurance.


Photo: iStock – MorePixels
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