Porsche 911 Insurance Rates
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UPDATED: Mar 30, 2024
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Estimated insurance rates for a Porsche 911 are $2,150 a year for full coverage. Comprehensive insurance costs on average $528, collision insurance costs $1,092, and liability insurance costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $4,690 or more. Teenage drivers pay the most at up to $7,572 a year.
Average premium for full coverage: $2,150
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different 911 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Porsche 911 range from the low end price of $438 for liability-only coverage to a much higher rate of $4,690 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates based on a 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 shows average Porsche 911 insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,178
- Drivers who choose higher $1,000 deductibles will pay around $368 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $2,150
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $720 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $4,690
- An auto insurance policy that insures a teen driver with full coverage may cost $7,572 a year
Insurance prices for a Porsche 911 also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $2,600 to $3,400 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 135% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $2,000 per year on average, or $167 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $7,500 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 $1,420 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $3,070 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,944 | -$206 | -9.6% |
| Alaska | $1,650 | -$500 | -23.3% |
| Arizona | $1,784 | -$366 | -17.0% |
| Arkansas | $2,150 | -$0 | 0.0% |
| California | $2,450 | $300 | 14.0% |
| Colorado | $2,056 | -$94 | -4.4% |
| Connecticut | $2,210 | $60 | 2.8% |
| Delaware | $2,434 | $284 | 13.2% |
| Florida | $2,690 | $540 | 25.1% |
| Georgia | $1,986 | -$164 | -7.6% |
| Hawaii | $1,544 | -$606 | -28.2% |
| Idaho | $1,454 | -$696 | -32.4% |
| Illinois | $1,602 | -$548 | -25.5% |
| Indiana | $1,620 | -$530 | -24.7% |
| Iowa | $1,452 | -$698 | -32.5% |
| Kansas | $2,044 | -$106 | -4.9% |
| Kentucky | $2,932 | $782 | 36.4% |
| Louisiana | $3,184 | $1,034 | 48.1% |
| Maine | $1,328 | -$822 | -38.2% |
| Maryland | $1,774 | -$376 | -17.5% |
| Massachusetts | $1,722 | -$428 | -19.9% |
| Michigan | $3,736 | $1,586 | 73.8% |
| Minnesota | $1,800 | -$350 | -16.3% |
| Mississippi | $2,576 | $426 | 19.8% |
| Missouri | $1,908 | -$242 | -11.3% |
| Montana | $2,310 | $160 | 7.4% |
| Nebraska | $1,696 | -$454 | -21.1% |
| Nevada | $2,578 | $428 | 19.9% |
| New Hampshire | $1,550 | -$600 | -27.9% |
| New Jersey | $2,402 | $252 | 11.7% |
| New Mexico | $1,904 | -$246 | -11.4% |
| New York | $2,264 | $114 | 5.3% |
| North Carolina | $1,238 | -$912 | -42.4% |
| North Dakota | $1,760 | -$390 | -18.1% |
| Ohio | $1,484 | -$666 | -31.0% |
| Oklahoma | $2,208 | $58 | 2.7% |
| Oregon | $1,970 | -$180 | -8.4% |
| Pennsylvania | $2,052 | -$98 | -4.6% |
| Rhode Island | $2,866 | $716 | 33.3% |
| South Carolina | $1,950 | -$200 | -9.3% |
| South Dakota | $1,814 | -$336 | -15.6% |
| Tennessee | $1,884 | -$266 | -12.4% |
| Texas | $2,590 | $440 | 20.5% |
| Utah | $1,592 | -$558 | -26.0% |
| Vermont | $1,470 | -$680 | -31.6% |
| Virginia | $1,290 | -$860 | -40.0% |
| Washington | $1,662 | -$488 | -22.7% |
| West Virginia | $1,972 | -$178 | -8.3% |
| Wisconsin | $1,488 | -$662 | -30.8% |
| Wyoming | $1,916 | -$234 | -10.9% |
Using high physical damage deductibles could save up to $1,090 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,938 | $162 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,938 | $162 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,984 | $165 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $2,030 | $169 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,952 | $163 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $2,028 | $169 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,980 | $165 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,162 | $180 |
| Porsche 911 GT3 2-Dr Coupe | $2,238 | $187 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,420 | $202 |
| Porsche 911 Turbo 2-Dr Coupe | $2,432 | $203 |
| Porsche 911 Turbo 2-Dr Convertible | $2,384 | $199 |
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 | $528 | $1,092 | $372 | $2,150 |
| 2023 Porsche 911 | $502 | $1,050 | $390 | $2,100 |
| 2022 Porsche 911 | $482 | $1,042 | $398 | $2,080 |
| 2021 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2020 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2019 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2018 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2017 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2016 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2015 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2014 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2013 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2012 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2011 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2010 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2009 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2008 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2007 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2004 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 a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following list is a summary of the car insurance concepts touched on above.
- High-risk drivers who have multiple accidents or major violations may pay on average $2,540 more each year than a safer driver
- Drivers can save as much as $280 per year just by shopping early and online
- Increasing policy deductibles can save approximately $1,100 each year
- Drivers who require an increased level of liability coverage will pay an extra $410 each year to go from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,006 |
| 30 | $2,284 |
| 40 | $2,150 |
| 50 | $1,958 |
| 60 | $1,922 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,870 |
| $250 | $2,532 |
| $500 | $2,150 |
| $1,000 | $1,782 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,150 |
| 50/100 | $2,447 |
| 100/300 | $2,526 |
| 250/500 | $2,732 |
| 100 CSL | $2,479 |
| 300 CSL | $2,653 |
| 500 CSL | $2,779 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,934 |
| 20 | $7,968 |
| 30 | $4,836 |
| 40 | $4,690 |
| 50 | $4,468 |
| 60 | $4,432 |
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 | $120 |
| Multi-vehicle | $111 |
| Homeowner | $27 |
| 5-yr Accident Free | $180 |
| 5-yr Claim Free | $144 |
| Paid in Full/EFT | $114 |
| Advance Quote | $117 |
| Online Quote | $159 |
| Total Discounts | $972 |
Discounts are estimated and may not be available from every company or in every state.
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