Insurance for Porsche Vehicles

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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...

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UPDATED: Jun 6, 2023

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The next table shows average insurance prices for Porsche vehicles. Other models are shown at the bottom of the page

Insurance Rates for Porsche Vehicles
Vehicle Model Annual Premium Monthly Premium
Porsche 911 $2,150 $179
Porsche Boxster $1,560 $130
Porsche Cayenne $1,936 $161
Porsche Cayman $1,760 $147
Porsche Macan $1,984 $165
Porsche Panamera $2,190 $183
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for Porsche vehicles
Column chart showing average insurance prices for Porsche vehicles range from $1,083 to $6,902 for full coverage

The prior chart uses the average vehicle rating data for all Porsche vehicles listed in the table above to showcase how different scenarios can impact car insurance prices.

Insurance prices for a Porsche range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $960 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more each year

View Chart as Image

Porsche insurance by deductible and liability limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,800 every 12 months on average, or $150 per month, for full coverage. Prices are highest for teenagers, since even excellent drivers should be prepared to pay at least $6,900 a year.

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $2,300 to $3,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average rate.

View Chart as Image

Porsche insurance by risk and age

Your home state also has a big influence on Porsche insurance rates. A middle-age driver might find rates as low as $1,500 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,800 on average in Louisiana, Montana, and Michigan.

Porsche Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,766 -$186 -9.5%
Alaska $1,498 -$454 -23.3%
Arizona $1,622 -$330 -16.9%
Arkansas $1,952 -$0 0.0%
California $2,226 $274 14.0%
Colorado $1,866 -$86 -4.4%
Connecticut $2,008 $56 2.9%
Delaware $2,212 $260 13.3%
Florida $2,444 $492 25.2%
Georgia $1,804 -$148 -7.6%
Hawaii $1,402 -$550 -28.2%
Idaho $1,322 -$630 -32.3%
Illinois $1,456 -$496 -25.4%
Indiana $1,470 -$482 -24.7%
Iowa $1,318 -$634 -32.5%
Kansas $1,858 -$94 -4.8%
Kentucky $2,664 $712 36.5%
Louisiana $2,892 $940 48.2%
Maine $1,206 -$746 -38.2%
Maryland $1,610 -$342 -17.5%
Massachusetts $1,562 -$390 -20.0%
Michigan $3,392 $1,440 73.8%
Minnesota $1,634 -$318 -16.3%
Mississippi $2,340 $388 19.9%
Missouri $1,734 -$218 -11.2%
Montana $2,098 $146 7.5%
Nebraska $1,540 -$412 -21.1%
Nevada $2,342 $390 20.0%
New Hampshire $1,408 -$544 -27.9%
New Jersey $2,182 $230 11.8%
New Mexico $1,730 -$222 -11.4%
New York $2,058 $106 5.4%
North Carolina $1,126 -$826 -42.3%
North Dakota $1,598 -$354 -18.1%
Ohio $1,348 -$604 -30.9%
Oklahoma $2,006 $54 2.8%
Oregon $1,790 -$162 -8.3%
Pennsylvania $1,866 -$86 -4.4%
Rhode Island $2,606 $654 33.5%
South Carolina $1,770 -$182 -9.3%
South Dakota $1,648 -$304 -15.6%
Tennessee $1,712 -$240 -12.3%
Texas $2,354 $402 20.6%
Utah $1,448 -$504 -25.8%
Vermont $1,336 -$616 -31.6%
Virginia $1,172 -$780 -40.0%
Washington $1,512 -$440 -22.5%
West Virginia $1,790 -$162 -8.3%
Wisconsin $1,352 -$600 -30.7%
Wyoming $1,740 -$212 -10.9%

Because rates have so much variability, the best way to figure out who has the cheapest rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

Additional Porsche Vehicles


U.S. averages for full coverage Porsche vehicle insurance

Average Policy Cost $1,952
Comprehensive Premium $486
Collision Premium $936
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Porsche models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Porsche Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $6,902
20 $4,516
30 $2,068
40 $1,952
50 $1,778
60 $1,746

Full coverage, $500 deductibles

Rates by Deductible

Porsche Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,582
$250 $2,290
$500 $1,952
$1,000 $1,630

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $9,942
20 $7,184
30 $4,364
40 $4,240
50 $4,040
60 $4,004

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 $278

Potential Rate Discounts

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

Discount Savings
Multi-policy $108
Multi-vehicle $100
Homeowner $25
5-yr Accident Free $159
5-yr Claim Free $129
Paid in Full/EFT $101
Advance Quote $103
Online Quote $144
Total Discounts $869
Rate after discounts $1,083

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

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