Porsche 911 Insurance Rates

The average insurance rates for a Porsche 911 are $2,012 a year for full coverage insurance. Comprehensive insurance costs an estimated $450, collision insurance costs $974, and liability coverage costs around $430. A liability-only policy costs as low as $486 a year, and high-risk insurance costs $4,402 or more. Teenage drivers cost the most to insure at up to $7,262 a year.

Average premium for full coverage: $2,012

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different 911 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Porsche 911 insurance rates for other coverage scenarios.

• The best discount rate is $1,106
• Using higher $1,000 deductibles will save approximately $322 each year
• The average rate for a good driver age 40 who has $500 deductibles is $2,012
• Using more expensive low deductibles for physical damage coverage will cost an extra $634 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $4,402
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $7,262 or more

View Chart as Image

Car insurance rates for a Porsche 911 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,900 a year, or $158 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $7,200 a year. View Rates by Age

Your home state has a huge impact on Porsche 911 insurance rates. A driver around age 40 might see rates as low as $1,310 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $960 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $2,400 to $3,300 extra every year, depending on your age. High-risk driver insurance can be around 45% to 133% more than a normal policy. View High Risk Driver Rates

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.

How to Find Cheap Porsche 911 Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and possibly higher deductibles. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the primary concepts that were touched on in this article.

• It is possible to save approximately $260 per year just by shopping early and online
• Drivers that tend to have accidents or serious violations pay on average $2,390 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $950 each year
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $605 each month if full coverage is included