Porsche 911 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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The average insurance prices for a Porsche 911 are $2,100 every 12 months including full coverage. Comprehensive costs around $502 a year, collision insurance costs $1,050, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs around $4,586. Teens cost the most to insure at up to $7,452 a year.

Average premium for full coverage: $2,100

Policy rates for type of insurance:

Comprehensive $502
Collision $1050
Liability $390

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and 911 trim levels.

Price Range Variability

For the normal driver, Porsche 911 insurance rates range from the cheapest price of $452 for minimum levels of liability insurance to a high of $4,586 for a high-risk driver policy.

Liability Only $452
Full Coverage $2,100
High Risk $4,586

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,575
Small Cities $2,205
Large Cities $2,835

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, 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.

Additional Rate Details

The chart below breaks down average Porsche 911 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,151
  • Choosing higher $1,000 deductibles can save about $1,750 every year
  • The average price for a good driver age 40 using $500 deductibles is $2,100
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $2,790
  • Higher-risk drivers with serious driving violations could pay at least $4,586
  • Policy cost to insure a 16-year-old driver can be $7,452 each year

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing Porsche 911 insurance rates range from $1,151 to $7,452 for full coverage

Car insurance rates for a Porsche 911 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $1,040 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,900 annually on average, or $158 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $7,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,500 to $3,400 extra every year, depending on your age. A high-risk auto insurance policy ranges from 46% to 133% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Porsche 911 insurance prices. A good driver about age 40 could pay as low as $1,610 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $3,000 on average in Michigan, New York, and Louisiana.

Porsche 911 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,900 -$200 -9.5%
Alaska $1,612 -$488 -23.2%
Arizona $1,744 -$356 -17.0%
Arkansas $2,100 -$0 0.0%
California $2,394 $294 14.0%
Colorado $2,006 -$94 -4.5%
Connecticut $2,158 $58 2.8%
Delaware $2,378 $278 13.2%
Florida $2,628 $528 25.1%
Georgia $1,940 -$160 -7.6%
Hawaii $1,508 -$592 -28.2%
Idaho $1,422 -$678 -32.3%
Illinois $1,564 -$536 -25.5%
Indiana $1,582 -$518 -24.7%
Iowa $1,420 -$680 -32.4%
Kansas $1,998 -$102 -4.9%
Kentucky $2,866 $766 36.5%
Louisiana $3,110 $1,010 48.1%
Maine $1,296 -$804 -38.3%
Maryland $1,732 -$368 -17.5%
Massachusetts $1,682 -$418 -19.9%
Michigan $3,650 $1,550 73.8%
Minnesota $1,758 -$342 -16.3%
Mississippi $2,516 $416 19.8%
Missouri $1,864 -$236 -11.2%
Montana $2,256 $156 7.4%
Nebraska $1,658 -$442 -21.0%
Nevada $2,520 $420 20.0%
New Hampshire $1,512 -$588 -28.0%
New Jersey $2,350 $250 11.9%
New Mexico $1,862 -$238 -11.3%
New York $2,212 $112 5.3%
North Carolina $1,210 -$890 -42.4%
North Dakota $1,722 -$378 -18.0%
Ohio $1,450 -$650 -31.0%
Oklahoma $2,158 $58 2.8%
Oregon $1,924 -$176 -8.4%
Pennsylvania $2,006 -$94 -4.5%
Rhode Island $2,802 $702 33.4%
South Carolina $1,906 -$194 -9.2%
South Dakota $1,772 -$328 -15.6%
Tennessee $1,840 -$260 -12.4%
Texas $2,532 $432 20.6%
Utah $1,556 -$544 -25.9%
Vermont $1,438 -$662 -31.5%
Virginia $1,260 -$840 -40.0%
Washington $1,622 -$478 -22.8%
West Virginia $1,924 -$176 -8.4%
Wisconsin $1,454 -$646 -30.8%
Wyoming $1,874 -$226 -10.8%

View Chart as Image

Porsche 911 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

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.

Porsche 911 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Porsche 911 $502 $1,050 $390 $2,100
2023 Porsche 911 $482 $1,042 $398 $2,080
2022 Porsche 911 $466 $1,016 $416 $2,056
2021 Porsche 911 $450 $974 $430 $2,012
2020 Porsche 911 $424 $940 $442 $1,964
2019 Porsche 911 $408 $872 $452 $1,890
2018 Porsche 911 $392 $822 $456 $1,828
2017 Porsche 911 $376 $736 $460 $1,730
2016 Porsche 911 $352 $678 $460 $1,648
2015 Porsche 911 $340 $636 $464 $1,598
2014 Porsche 911 $330 $592 $474 $1,554
2013 Porsche 911 $306 $550 $474 $1,488
2012 Porsche 911 $298 $500 $478 $1,434
2011 Porsche 911 $278 $458 $474 $1,368
2010 Porsche 911 $262 $416 $474 $1,310
2009 Porsche 911 $254 $372 $468 $1,252
2008 Porsche 911 $250 $364 $460 $1,232
2007 Porsche 911 $246 $348 $452 $1,204

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 Shop for the Right Porsche 911 Insurance

Finding cheaper rates on insurance for a Porsche 911 takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a quick rundown of the information presented in the illustrations above.

  • You may be able to save up to $270 per year just by quoting early and online
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $621 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles could save as much as $1,050 each year
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $2,490 more every year than a safer driver
  • Insureds who may need an increased level of liability coverage will pay approximately $430 per year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Porsche 911 Insurance Rates by Driver Age
Driver Age Premium
16 $7,452
20 $4,894
30 $2,226
40 $2,100
50 $1,912
60 $1,878

Full coverage, $500 deductibles

Rates by Deductible

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,790
$250 $2,468
$500 $2,100
$1,000 $1,750

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,100
50/100 $2,388
100/300 $2,471
250/500 $2,687
100 CSL $2,422
300 CSL $2,604
500 CSL $2,737

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche 911 Insurance Rates for High Risk Drivers
Age Premium
16 $10,754
20 $7,796
30 $4,724
40 $4,586
50 $4,370
60 $4,336

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.

SR-22 Surcharge $306

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $117
Multi-vehicle $110
Homeowner $27
5-yr Accident Free $175
5-yr Claim Free $140
Paid in Full/EFT $111
Advance Quote $114
Online Quote $155
Total Discounts $949
Rate after discounts $1,151

Discounts are estimated and may not be available from every company or in every state.

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