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: Jun 6, 2023

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Estimated insurance rates for a Porsche 911 are $2,056 a year including full coverage. Comprehensive insurance costs approximately $466 a year, collision insurance costs $1,016, and liability insurance costs $416. Liability-only coverage costs as little as $474 a year, and high-risk coverage costs $4,504 or more. Teenage drivers pay the most at up to $7,390 a year.

Average premium for full coverage: $2,056

Premium estimates by type of coverage:

Comprehensive $466
Collision $1016
Liability $416

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and 911 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Porsche 911 range from the low end price of $474 for liability-only coverage to a high of $4,504 for a policy for a high-risk driver.

Liability Only $474
Full Coverage $2,056
High Risk $4,504

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,542
Small Cities $2,159
Large Cities $2,776

These rate differences highlight why it is important to compare rates using their specific location, rather than relying on average rates.

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 Charts and Tables

The chart below breaks down average Porsche 911 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $1,126
  • Drivers who choose higher $1,000 deductibles will pay $1,720 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $2,056
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $660 a year
  • High risk drivers who are prone to accidents and violations could pay around $4,504
  • An auto insurance policy that insures a teen driver can cost $7,390 a year

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing Porsche 911 insurance prices range from $1,126 to $7,390 for full coverage

Insurance prices for a Porsche 911 also have a wide range based on the trim level of your 911, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $2,500 to $3,300 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,900 per year on average, or $158 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $7,300 a year. View Rates by Age

Where you choose to live makes a big difference in Porsche 911 insurance rates. A 40-year-old driver could pay as low as $1,580 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,930 on average in Louisiana, New York, and Michigan.

Porsche 911 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,858 -$198 -9.6%
Alaska $1,580 -$476 -23.2%
Arizona $1,708 -$348 -16.9%
Arkansas $2,056 -$0 0.0%
California $2,342 $286 13.9%
Colorado $1,964 -$92 -4.5%
Connecticut $2,114 $58 2.8%
Delaware $2,326 $270 13.1%
Florida $2,572 $516 25.1%
Georgia $1,898 -$158 -7.7%
Hawaii $1,476 -$580 -28.2%
Idaho $1,392 -$664 -32.3%
Illinois $1,534 -$522 -25.4%
Indiana $1,550 -$506 -24.6%
Iowa $1,388 -$668 -32.5%
Kansas $1,956 -$100 -4.9%
Kentucky $2,806 $750 36.5%
Louisiana $3,044 $988 48.1%
Maine $1,268 -$788 -38.3%
Maryland $1,696 -$360 -17.5%
Massachusetts $1,644 -$412 -20.0%
Michigan $3,572 $1,516 73.7%
Minnesota $1,720 -$336 -16.3%
Mississippi $2,464 $408 19.8%
Missouri $1,826 -$230 -11.2%
Montana $2,210 $154 7.5%
Nebraska $1,620 -$436 -21.2%
Nevada $2,464 $408 19.8%
New Hampshire $1,482 -$574 -27.9%
New Jersey $2,298 $242 11.8%
New Mexico $1,820 -$236 -11.5%
New York $2,166 $110 5.4%
North Carolina $1,184 -$872 -42.4%
North Dakota $1,684 -$372 -18.1%
Ohio $1,422 -$634 -30.8%
Oklahoma $2,110 $54 2.6%
Oregon $1,884 -$172 -8.4%
Pennsylvania $1,962 -$94 -4.6%
Rhode Island $2,744 $688 33.5%
South Carolina $1,862 -$194 -9.4%
South Dakota $1,736 -$320 -15.6%
Tennessee $1,802 -$254 -12.4%
Texas $2,478 $422 20.5%
Utah $1,522 -$534 -26.0%
Vermont $1,406 -$650 -31.6%
Virginia $1,234 -$822 -40.0%
Washington $1,590 -$466 -22.7%
West Virginia $1,886 -$170 -8.3%
Wisconsin $1,424 -$632 -30.7%
Wyoming $1,830 -$226 -11.0%

View Chart as Image

Porsche 911 insurance rates by U.S. city

Using high physical damage deductibles could save up to $1,000 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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
2020 Porsche 911 $466 $1,016 $416 $2,056
2017 Porsche 911 $408 $872 $452 $1,890
2013 Porsche 911 $340 $636 $464 $1,598
2009 Porsche 911 $278 $458 $474 $1,368
2008 Porsche 911 $262 $416 $474 $1,310
2007 Porsche 911 $254 $372 $468 $1,252
2004 Porsche 911 $224 $330 $446 $1,158
2003 Porsche 911 $216 $314 $442 $1,130

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 More Affordable Porsche 911 Insurance

Finding better rates on Porsche 911 insurance not only requires being a good driver, but also having above-average credit, refrain from filing small claims, and possibly raising deductibles. Compare prices every year by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following list is a summary of the coverage data raised in the charts and tables above.

  • You may be able to save around $260 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $1,000 each year
  • Drivers age 16 to 20 are expensive to insure, with the cost nearing $616 per month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations will likely pay on average $2,450 more per year than a safer driver

Rates by Driver Age

Porsche 911 Insurance Rates by Driver Age
Driver Age Premium
16 $7,390
20 $4,810
30 $2,174
40 $2,056
50 $1,876
60 $1,842

Full coverage, $500 deductibles

Rates by Deductible

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,716
$250 $2,406
$500 $2,056
$1,000 $1,720

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,056
50/100 $2,331
100/300 $2,419
250/500 $2,649
100 CSL $2,366
300 CSL $2,561
500 CSL $2,703

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche 911 Insurance Rates for High Risk Drivers
Age Premium
16 $10,656
20 $7,674
30 $4,636
40 $4,504
50 $4,296
60 $4,262

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 $302

Potential Rate Discounts

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

Discount Savings
Multi-policy $114
Multi-vehicle $109
Homeowner $27
5-yr Accident Free $171
5-yr Claim Free $138
Paid in Full/EFT $108
Advance Quote $111
Online Quote $152
Total Discounts $930
Rate after discounts $1,126

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

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