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...
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UPDATED: Mar 30, 2024
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Average insurance rates for a Porsche 911 are $2,080 a year including full coverage. Comprehensive costs on average $482, collision costs $1,042, and liability costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $4,552. Teens receive the highest rates at $7,430 a year or more.
Average premium for full coverage: $2,080
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different 911 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $460 for just liability insurance to a much higher rate of $4,552 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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 breaks down estimated Porsche 911 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,138
- Drivers who choose higher $1,000 deductibles will pay around $346 every year
- The average rate for a 40-year-old driver with $500 deductibles is $2,080
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,758
- Drivers with serious driving violations could pay upwards of $4,552 or more
- The cost for full coverage for a 16-year-old driver with full coverage may cost $7,430 a year
Car insurance rates for a Porsche 911 can also vary considerably based on your driver profile, the model of your 911, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as low as $1,900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $7,400 a year. View Rates by Age
Where you live makes a big difference in Porsche 911 insurance prices. A 40-year-old driver could pay as low as $1,590 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,970 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $1,030 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $2,500 to $3,300 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.
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 Find Affordable Porsche 911 Insurance
Saving money on insurance for a Porsche 911 not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a brief review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $270 per year simply by shopping early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,470 more each year for car insurance
- Increasing deductibles can save around $1,025 each year
- Teenagers are expensive to insure, as much as $619 per month if full coverage is included
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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