Porsche 911 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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U.S. average auto insurance rates for a Porsche 911 are $2,080 annually for full coverage insurance. Comprehensive insurance costs approximately $482 a year, collision costs $1,042, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $4,552 or more. 16-year-old drivers pay the highest rates at $7,430 a year or more.
Average premium for full coverage: $2,080
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and 911 trim levels.
Price Range from Low to High
For a 40-year-old driver, Porsche 911 insurance prices go from as cheap as $460 for just liability insurance to a high of $4,552 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities.
The diagram below illustrates how your location can change auto insurance prices.
The ranges above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Porsche 911 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,138
- Using higher $1,000 deductibles will save $1,734 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $2,080
- Buying low $100 deductibles for physical damage coverage costs an additional $678 a year
- Drivers with multiple tickets or accidents could pay around $4,552 or more
- The price with full coverage for a teen driver can cost $7,430 or more
Auto insurance prices for a Porsche 911 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $7,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $2,500 to $3,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $1,030 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Porsche 911 insurance rates. A driver around age 40 might see prices as low as $1,360 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,810 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,882 | -$198 | -9.5% |
| Alaska | $1,596 | -$484 | -23.3% |
| Arizona | $1,726 | -$354 | -17.0% |
| Arkansas | $2,080 | -$0 | 0.0% |
| California | $2,372 | $292 | 14.0% |
| Colorado | $1,986 | -$94 | -4.5% |
| Connecticut | $2,140 | $60 | 2.9% |
| Delaware | $2,354 | $274 | 13.2% |
| Florida | $2,602 | $522 | 25.1% |
| Georgia | $1,922 | -$158 | -7.6% |
| Hawaii | $1,494 | -$586 | -28.2% |
| Idaho | $1,408 | -$672 | -32.3% |
| Illinois | $1,552 | -$528 | -25.4% |
| Indiana | $1,568 | -$512 | -24.6% |
| Iowa | $1,406 | -$674 | -32.4% |
| Kansas | $1,978 | -$102 | -4.9% |
| Kentucky | $2,840 | $760 | 36.5% |
| Louisiana | $3,080 | $1,000 | 48.1% |
| Maine | $1,284 | -$796 | -38.3% |
| Maryland | $1,716 | -$364 | -17.5% |
| Massachusetts | $1,664 | -$416 | -20.0% |
| Michigan | $3,616 | $1,536 | 73.8% |
| Minnesota | $1,742 | -$338 | -16.3% |
| Mississippi | $2,494 | $414 | 19.9% |
| Missouri | $1,846 | -$234 | -11.3% |
| Montana | $2,236 | $156 | 7.5% |
| Nebraska | $1,640 | -$440 | -21.2% |
| Nevada | $2,496 | $416 | 20.0% |
| New Hampshire | $1,500 | -$580 | -27.9% |
| New Jersey | $2,326 | $246 | 11.8% |
| New Mexico | $1,842 | -$238 | -11.4% |
| New York | $2,192 | $112 | 5.4% |
| North Carolina | $1,200 | -$880 | -42.3% |
| North Dakota | $1,702 | -$378 | -18.2% |
| Ohio | $1,436 | -$644 | -31.0% |
| Oklahoma | $2,136 | $56 | 2.7% |
| Oregon | $1,906 | -$174 | -8.4% |
| Pennsylvania | $1,986 | -$94 | -4.5% |
| Rhode Island | $2,776 | $696 | 33.5% |
| South Carolina | $1,886 | -$194 | -9.3% |
| South Dakota | $1,754 | -$326 | -15.7% |
| Tennessee | $1,822 | -$258 | -12.4% |
| Texas | $2,506 | $426 | 20.5% |
| Utah | $1,538 | -$542 | -26.1% |
| Vermont | $1,424 | -$656 | -31.5% |
| Virginia | $1,246 | -$834 | -40.1% |
| Washington | $1,608 | -$472 | -22.7% |
| West Virginia | $1,908 | -$172 | -8.3% |
| Wisconsin | $1,440 | -$640 | -30.8% |
| Wyoming | $1,854 | -$226 | -10.9% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,882 | $157 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,870 | $156 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,922 | $160 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $1,966 | $164 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,884 | $157 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $1,956 | $163 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,908 | $159 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,092 | $174 |
| Porsche 911 GT3 2-Dr Coupe | $2,166 | $181 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,334 | $195 |
| Porsche 911 Turbo 2-Dr Coupe | $2,346 | $196 |
| Porsche 911 Turbo 2-Dr Convertible | $2,294 | $191 |
Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Porsche 911 | $482 | $1,042 | $398 | $2,080 |
| 2023 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2022 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2021 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2020 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2019 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2018 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2017 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2016 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2015 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2014 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2013 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2012 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2011 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2010 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2009 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2008 Porsche 911 | $246 | $348 | $452 | $1,204 |
| 2007 Porsche 911 | $224 | $330 | $446 | $1,158 |
Rates are averaged for all Porsche 911 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Porsche 911 Insurance
Getting lower rates on Porsche 911 insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a brief review of the coverage data illustrated above.
- It is possible to save around $270 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $1,025 each year
- Teenage drivers have the highest car insurance prices, as much as $619 a month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,470 more per year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,430 |
| 20 | $4,866 |
| 30 | $2,204 |
| 40 | $2,080 |
| 50 | $1,896 |
| 60 | $1,862 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,758 |
| $250 | $2,440 |
| $500 | $2,080 |
| $1,000 | $1,734 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,080 |
| 50/100 | $2,362 |
| 100/300 | $2,446 |
| 250/500 | $2,666 |
| 100 CSL | $2,395 |
| 300 CSL | $2,581 |
| 500 CSL | $2,717 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,720 |
| 20 | $7,750 |
| 30 | $4,690 |
| 40 | $4,552 |
| 50 | $4,340 |
| 60 | $4,306 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $115 |
| Multi-vehicle | $110 |
| Homeowner | $27 |
| 5-yr Accident Free | $174 |
| 5-yr Claim Free | $139 |
| Paid in Full/EFT | $110 |
| Advance Quote | $113 |
| Online Quote | $154 |
| Total Discounts | $942 |
Discounts are estimated and may not be available from every company or in every state.
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