Cheapest Porsche 944 Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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- Porsche manufactured the 944 between 1982 and 1991 and has long been considered an affordable way to join the Porsche club
- In the last decade, the price of 944s has been on the rise
- You can still find a 944 for less than $5,000, but some sell for over $50,000
- Other expenses to consider for the Porsche 944 are repairs, maintenance, and insurance
Porsche is a coveted brand by car enthusiasts and casual drivers alike. While modern Porsches are always popular (and probably will be for a long time to come), the classic models never go out of style.
However, one classic Porsche is once again grabbing attention. The Porsche 944 has been an affordable way for people to buy their first classic Porsche in the last decade. However, Porsche 944 price trends are on the rise.
There is a lot of debate amongst Porsche fans if the 944 is worth buying today. Some say the 944 is an exciting way to start a Porsche collection, while others say the price to keep it running isn’t worth it.
If you’re interested in buying a Porsche 944, other expenses come with it. For example, a Porsche 944 is considered a classic car and might need specialty comprehensive car insurance to match.
So, how much is a Porsche 944, and how much does insurance cost? Our free tool can’t tell you how much the car costs, but it can show you what insurance quotes might look like for you. Enter your ZIP code to get started.
What is a Porsche 944?
Porsche manufactured the 944 between 1982 and 1991 as an upgrade to the 924. The 944 was one of Porsche’s first models to have a front-engine. For body styles, the 944 comes in a coupé or cabriolet. You can choose the naturally aspirated version or the turbocharged one for the engine.
The 944 did exceptionally well in sales and was the most popular model for several years. It wasn’t until the Boxster in 1996 and the 997 Carrera in 2004 were released that the 944 was dethroned.
Porsche manufactured the 944 until 1991. After that, Porsche revised and redesigned the 944 and rereleased it as the 968.
Porsche 944 Specs
The 944 isn’t the most powerful classic car from the 1980s, but it’ll still give you a fun ride.
Model Year Engine Power
944 1982-1987 1982-85: 143 HP
1985-87: 147 HP
2.5 L M44/40 I4
944 1988 158 HP 2.5 L M44/40 I4
944 S 1987-1989 187 HP 2.5 L M44/40 I4
944 1989 163 HP 2.7 L M44/41 I4
944 S2 1989-1991 208 HP 3.0 L M44/41 I4
While the 944 isn’t the fastest, it’s still a great car if you can get it for the right price.
How much is a Porsche 944 worth?
It can be difficult to nail down the price of a classic car because there is a lot of variation in the quality of vehicles for sale. You also have to consider how old the car is, as different years are worth different prices. Asking how much is a 1984 Porsche 944 worth will give you a very different answer if you change the year.
You’ll also pay more for a Porsche 944 turbo than a base model.
Traditionally, the 944 has been an affordable way to get your first classic Porsche. The 944 was cheaper because Porsche fans frown at the front-engine, and there are better four-cylinder cars from the same period.
On top of that, the Porsche 944 is expensive to maintain. Porsche parts are more expensive than standard cars in general, and the 944 requires harder-to-find older pieces. Two of the most critical parts for the engine (the timing belt and water pump) can cost up to $1,000 to replace.
944 owners get around the expense of costly repairs with the inexpensive price tag. Or, they used to. The price of the 944 has recently skyrocketed. You can still find affordable options starting at around $3,000 if you choose a car that needs some work done.
However, a Porsche that’s been well-maintained and cared for sells for much more.
Year Average listing
No one knows precisely why the price of a 944 is going up, but it probably has something to do with the 911. Porsche enthusiasts have taken another look at the 944 and decided that the car was overshadowed by the 911.
Whatever the reason, it might be worthwhile to buy now if you’re interested in a Porsche 944 since there’s no telling how much higher prices will go.
How can you find a Porsche 944 for sale?
There are several markets you can find a Porsche 944 in. You can attend auctions, classic car shows, and private sellers. However, you can easily buy classic cars online. If you want to find a Porsche 944, consider the following online markets.
- Mecum. Mecum has one of the most extensive collections of cars, antique motorcycles, and tractors in the world.
- ClassicCars. Focusing solely on vintage and classic cars, it has one of the biggest collections of classic cars in America.
- Manheim, Inc. This discount auto auction network sells classic cars in America, Asia, Europe, and Australia.
- eBay Motors. Not only is eBay an excellent place to buy a car (classic or modern), it’s also one of the most famous. You can buy from around the country, and if you want to list your car for sale, a small fee will grant you access to the entire U.S.
There are many other online auction sites from which you can buy classic cars like the 944. If you’re on a budget, the best way to find a Porsche 944 for sale under $5,000 is to shop as many as you can find.
Is a Porsche 944 a good investment?
People buy classic cars for different reasons. Whether the Porsche is a good investment depends on why you want one.
If you want an affordable four-cylinder classic car for daily driving and you don’t care so much about the brand, you might want to look elsewhere. Other American and Japanese cars are faster, more powerful, and handle better.
If you love the Porsche brand and you’re on a budget, the 944 can be a great way to break into the Porsche club.
Collectors looking for cars that appreciate will probably be satisfied with the 944. While it has been a less expensive car, its recent price spike doesn’t seem to be slowing down. A Porsche 944 might be worth much more than you invest in it.
How much is insurance for a Porsche 944?
When you buy a Porsche 944, there are two options for insurance, depending on how you plan to use your car. First, if you plan on driving it daily, you should consider a standard insurance company. While insurance rates always depend on your unique factors, you can get an idea of what it will cost you below.
Average price of standard coverage by year GEICO Progressive State Farm Allstate
1982 $356 $302 $866 $999
1983 $356 $302 $866 $1,000
1984 $361 $302 $918 $1,045
1985 $361 $302 $918 $1,046
1986 $367 $302 $989 $1,046
1987 $367 $302 $989 $1,166
1988 $376 $302 $1,269 $1,259
1989 $381 $302 $1,234 $1,252
1990 $463 $376 $1,533 $1,248
1991 $447 $423 $1,375 $1,305
These companies can give you liability, comprehensive, and collision coverage, as well as a host of other add-ons.
However, if you want insurance specifically for classic cars, you can get insurance from a company that specializes in vintage vehicles. Some of the best classic car insurance companies are:
- Heacock Classic
- American Collectors
- American Modern
These companies take into account that classic cars aren’t normal. They are often stored for long periods, owners take them to shows, and their value appreciates.
Find the Best Porsche 944 Insurance
Finding insurance for this stylish vehicle isn’t hard if you decide that the Porsche 944 is the right classic car for you. Many collectors consider the Porsche 944 a classic budget car (for now), and if you want to extend savings to your insurance, you should compare prices.
How much is a Porsche 944 when you consider all the expenses? Visit one of the auction sites listed above to find your car, then enter your ZIP code into our free tool to see what insurance rates might look like for you.
Frequently Asked Questions
What factors affect the insurance rates for a Porsche 944?
Several factors influence the insurance rates for a Porsche 944. These typically include the driver’s age, location, driving history, credit score, the model and year of the car, the car’s value, safety features, and the coverage options chosen.
Are Porsche 944 insurance rates generally high or low?
Insurance rates for a Porsche 944 are typically higher compared to average car insurance rates. Porsche vehicles, including the 944, tend to have higher repair and replacement costs, which contribute to the higher insurance premiums.
How can I find the cheapest insurance rates for a Porsche 944?
To find the cheapest insurance rates for a Porsche 944, consider the following tips:
- Compare quotes from multiple insurance providers to find the most affordable option.
- Opt for higher deductibles, which can lower your premium.
- Maintain a clean driving record to demonstrate responsible driving behavior.
- Inquire about available discounts, such as multi-car or bundling discounts.
- Install safety features in your vehicle to reduce the risk of accidents or theft.
Can I lower my Porsche 944 insurance rates by taking a defensive driving course?
Yes, some insurance providers offer discounts for completing a defensive driving course. By taking such a course, you can demonstrate your commitment to safe driving, which may lead to lower insurance premiums. Check with your insurance provider to see if they offer this discount.
Are there any specific insurance providers known for offering affordable rates for a Porsche 944?
The availability and affordability of insurance rates vary among providers. It’s advisable to compare quotes from multiple insurance companies to find the best rates for your Porsche 944. Consider reaching out to well-known insurance providers that specialize in sports or luxury car coverage.
Are there any modifications I can make to my Porsche 944 that would lower insurance rates?
While some modifications may enhance the performance or aesthetics of your Porsche 944, they might not necessarily lead to lower insurance rates. Certain safety features or anti-theft devices, however, could potentially reduce your premiums. Consult with your insurance provider to understand which modifications might positively impact your rates.
Can I insure a classic or vintage Porsche 944 differently to lower the insurance costs?
Insuring a classic or vintage Porsche 944 might offer different options compared to insuring a regular vehicle. Classic car insurance policies often consider factors such as limited mileage, agreed-upon value, and storage requirements. These specialized policies may provide coverage tailored to the needs of classic car owners, potentially resulting in lower insurance costs. Contact insurance providers specializing in classic car coverage to explore your options.
Does the color of my Porsche 944 affect insurance rates?
Generally, the color of your car, including a Porsche 944, does not directly impact insurance rates. Insurance providers primarily consider factors like the car’s make, model, year, engine size, and other relevant criteria when calculating premiums. However, some studies suggest that certain colors, such as red, may be associated with a higher risk of speeding tickets, which could indirectly influence insurance rates.
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