Porsche 911 Insurance Rates

The average insurance prices for a Porsche 911 are $2,080 every 12 months for full coverage. Comprehensive costs on average $482, collision costs $1,042, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $4,552. Teens cost the most to insure at $7,430 a year or more.

Average premium for full coverage: $2,080

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different 911 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The cheapest rate after discounts is $1,138
• Using higher $1,000 deductibles will save around $346 a year
• The average price for a good driver age 40 with $500 deductibles is $2,080
• Selecting more expensive low deductibles for physical damage coverage increases the price to $2,758
• High-risk insureds with serious driving violations could pay upwards of $4,552 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $7,430 or more

View Chart as Image

Insurance rates for a Porsche 911 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your 911.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $1,030 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,900 a year, or $158 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $7,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,500 to $3,300 extra every year, depending on your age. High-risk driver insurance can be from 44% to 134% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Porsche 911 insurance prices. A driver around age 40 might see rates as low as $1,370 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Each insurance company calculates rates differently, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Porsche 911 Insurance

Finding cheaper rates on insurance for a Porsche 911 requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a brief review of the data that was covered above.

• Drivers can save as much as $270 per year simply by shopping early and online
• Insureds who require more liability coverage will pay approximately $440 each year to increase from a 30/60 limit to a 250/500 level
• Teen drivers pay the highest rates, costing up to $619 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $2,470 more each year to insure their 911