Porsche 911 Insurance Rates
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Michelle Robbins
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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: Jun 6, 2023
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U.S. average insurance rates for a Porsche 911 are $2,100 a year for full coverage. Comprehensive insurance costs an estimated $502, collision insurance costs $1,050, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, and high-risk coverage costs $4,586 or more. Teen drivers pay the highest rates at up to $7,452 a year.
Average premium for full coverage: $2,100
Price estimates broken down by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all 911 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Porsche 911 insurance prices range from as low as $452 for a discount liability-only rate to the much higher price of $4,586 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.
The ranges above show why everyone should get quotes for a targeted area and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below shows average Porsche 911 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,151
- Choosing higher $1,000 deductibles can save approximately $350 a year
- The average rate for the average middle-age driver who has $500 deductibles is $2,100
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $690 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $4,586
- The price for full coverage for a teen driver for full coverage can cost as much as $7,452 each year
Auto insurance prices for a Porsche 911 are also quite variable based on your driving record, the trim level of your 911, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as little as $1,900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $7,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Porsche 911 insurance prices. A good driver about age 40 could pay as low as $1,380 a year in states like Iowa, Maine, and Idaho, or as much as $3,000 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $1,040 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $2,500 to $3,400 in extra premium each year, depending on your age. Porsche 911 insurance for high-risk drivers ranges as much as 46% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,898 | $158 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,892 | $158 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,942 | $162 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $1,984 | $165 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,904 | $159 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,028 | $169 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $1,978 | $165 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,028 | $169 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,930 | $161 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,114 | $176 |
| Porsche 911 GT3 2-Dr Coupe | $2,186 | $182 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,358 | $197 |
| Porsche 911 Turbo 2-Dr Coupe | $2,372 | $198 |
| Porsche 911 Turbo 2-Dr Convertible | $2,322 | $194 |
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 | $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 Find the Best Porsche 911 Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a brief recap of the material that was raised in the charts and tables above.
- Policyholders who want higher liability limits will pay about $430 each year to raise limits from a low limit to 250/500 limits
- Teenagers are the costliest to insure, with premiums as much as $621 a month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay an average of $2,490 more annually for car insurance
- Increasing physical damage deductibles can save around $1,050 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,790 |
| $250 | $2,468 |
| $500 | $2,100 |
| $1,000 | $1,750 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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