Porsche 911 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 1, 2020

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Average insurance rates for a Porsche 911 are $2,080 a year for full coverage. Comprehensive costs on average $482 a year, collision costs $1,042, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $4,552. Teen drivers receive the highest rates at $7,430 a year or more.

Average premium for full coverage: $2,080

Rate estimates by individual coverage type:

Comprehensive $482
Collision $1042
Liability $398

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and 911 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $460 for only liability insurance to a high of $4,552 for a high risk driver.

Liability Only $460
Full Coverage $2,080
High Risk $4,552

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,560
Small Cities $2,184
Large Cities $2,808

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Porsche 911 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,138
  • Drivers who choose higher $1,000 deductibles will pay around $1,734 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $2,080
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,758
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $4,552 or more
  • The cost for full coverage for a teen driver may cost $7,430 a year

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing full coverage Porsche 911 insurance rates range from $1,138 to $7,430

for a Porsche 911 can also vary considerably based on your driver profile, the trim level of your 911, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $7,400 a year. View Rates by Age

Where you live makes a big difference in Porsche 911 insurance rates. A 40-year-old driver could pay as low as $1,370 a year in states like Idaho, Maine, and Iowa, or as much as $2,970 on average in Michigan, Louisiana, and New York.

Porsche 911 Insurance Rates by State
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%

View Chart as Image

Porsche 911 insurance rates by U.S. city

Choosing high deductibles could save up to $1,030 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,500 to $3,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $482 $1,042 $398 $2,080
2017 Porsche 911 $424 $940 $442 $1,964
2013 Porsche 911 $352 $678 $460 $1,648
2009 Porsche 911 $298 $500 $478 $1,434
2008 Porsche 911 $278 $458 $474 $1,368
2007 Porsche 911 $262 $416 $474 $1,310
2004 Porsche 911 $246 $348 $452 $1,204
2003 Porsche 911 $224 $330 $446 $1,158
2002 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 Cheaper Porsche 911 Insurance

Saving money on Porsche 911 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $1,025 each year
  • Drivers can save as much as $270 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $440 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $619 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $2,470 more each year for insurance

Rates by Driver Age

Porsche 911 Insurance 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

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,758
$250 $2,440
$500 $2,080
$1,000 $1,734

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
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

Porsche 911 Insurance 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.

SR-22 Surcharge $305

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
Rate after discounts $1,138

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

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