Porsche 911 Insurance Rates
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UPDATED: Mar 30, 2024
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U.S. average insurance prices for a Porsche 911 are $2,150 every 12 months with full coverage. Comprehensive costs approximately $528, collision insurance costs $1,092, and liability costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $4,690. 16-year-old drivers pay the highest rates at up to $7,572 a year.
Average premium for full coverage: $2,150
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different 911 trim levels.
Price Range from Low to High
For a 40-year-old driver, Porsche 911 insurance prices range from the cheapest price of $438 for just liability insurance to a much higher rate of $4,690 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on rate 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.
More Rate Details
The chart below details average Porsche 911 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,178
- Using higher $1,000 deductibles will save $368 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $2,150
- Buying more expensive low deductibles for physical damage coverage increases the price to $2,870
- High-risk insureds with multiple tickets or accidents could pay around $4,690
- The price to insure a 16-year-old driver with full coverage can cost $7,572 or more
Insurance prices for a Porsche 911 are also quite variable based on deductibles and policy limits, your driving record, and the model of your 911.
Opting for high physical damage deductibles could cut prices by as much as $1,090 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $2,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $7,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,600 to $3,400 additional each year, depending on your age. High-risk driver insurance can be from 45% to 135% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Porsche 911 insurance prices. A driver around age 40 might see prices as low as $1,550 a year in states like Utah, Ohio, and New Hampshire, or at least $2,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,944 | -$206 | -9.6% |
| Alaska | $1,650 | -$500 | -23.3% |
| Arizona | $1,784 | -$366 | -17.0% |
| Arkansas | $2,150 | -$0 | 0.0% |
| California | $2,450 | $300 | 14.0% |
| Colorado | $2,056 | -$94 | -4.4% |
| Connecticut | $2,210 | $60 | 2.8% |
| Delaware | $2,434 | $284 | 13.2% |
| Florida | $2,690 | $540 | 25.1% |
| Georgia | $1,986 | -$164 | -7.6% |
| Hawaii | $1,544 | -$606 | -28.2% |
| Idaho | $1,454 | -$696 | -32.4% |
| Illinois | $1,602 | -$548 | -25.5% |
| Indiana | $1,620 | -$530 | -24.7% |
| Iowa | $1,452 | -$698 | -32.5% |
| Kansas | $2,044 | -$106 | -4.9% |
| Kentucky | $2,932 | $782 | 36.4% |
| Louisiana | $3,184 | $1,034 | 48.1% |
| Maine | $1,328 | -$822 | -38.2% |
| Maryland | $1,774 | -$376 | -17.5% |
| Massachusetts | $1,722 | -$428 | -19.9% |
| Michigan | $3,736 | $1,586 | 73.8% |
| Minnesota | $1,800 | -$350 | -16.3% |
| Mississippi | $2,576 | $426 | 19.8% |
| Missouri | $1,908 | -$242 | -11.3% |
| Montana | $2,310 | $160 | 7.4% |
| Nebraska | $1,696 | -$454 | -21.1% |
| Nevada | $2,578 | $428 | 19.9% |
| New Hampshire | $1,550 | -$600 | -27.9% |
| New Jersey | $2,402 | $252 | 11.7% |
| New Mexico | $1,904 | -$246 | -11.4% |
| New York | $2,264 | $114 | 5.3% |
| North Carolina | $1,238 | -$912 | -42.4% |
| North Dakota | $1,760 | -$390 | -18.1% |
| Ohio | $1,484 | -$666 | -31.0% |
| Oklahoma | $2,208 | $58 | 2.7% |
| Oregon | $1,970 | -$180 | -8.4% |
| Pennsylvania | $2,052 | -$98 | -4.6% |
| Rhode Island | $2,866 | $716 | 33.3% |
| South Carolina | $1,950 | -$200 | -9.3% |
| South Dakota | $1,814 | -$336 | -15.6% |
| Tennessee | $1,884 | -$266 | -12.4% |
| Texas | $2,590 | $440 | 20.5% |
| Utah | $1,592 | -$558 | -26.0% |
| Vermont | $1,470 | -$680 | -31.6% |
| Virginia | $1,290 | -$860 | -40.0% |
| Washington | $1,662 | -$488 | -22.7% |
| West Virginia | $1,972 | -$178 | -8.3% |
| Wisconsin | $1,488 | -$662 | -30.8% |
| Wyoming | $1,916 | -$234 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,938 | $162 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,938 | $162 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,984 | $165 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $2,030 | $169 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,952 | $163 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $2,028 | $169 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,980 | $165 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,162 | $180 |
| Porsche 911 GT3 2-Dr Coupe | $2,238 | $187 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,420 | $202 |
| Porsche 911 Turbo 2-Dr Coupe | $2,432 | $203 |
| Porsche 911 Turbo 2-Dr Convertible | $2,384 | $199 |
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 | $528 | $1,092 | $372 | $2,150 |
| 2023 Porsche 911 | $502 | $1,050 | $390 | $2,100 |
| 2022 Porsche 911 | $482 | $1,042 | $398 | $2,080 |
| 2021 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2020 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2019 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2018 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2017 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2016 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2015 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2014 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2013 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2012 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2011 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2010 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2009 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2008 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2007 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2004 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 Shop for the Cheapest Porsche 911 Insurance
Getting lower rates on insurance for a Porsche 911 requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a recap of the concepts that were illustrated above.
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $2,540 more per year to insure their 911
- Teen drivers are the costliest to insure, costing up to $631 a month if full coverage is included
- You may be able to save around $280 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $1,100 each year
- You may be able to save around $280 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,006 |
| 30 | $2,284 |
| 40 | $2,150 |
| 50 | $1,958 |
| 60 | $1,922 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,870 |
| $250 | $2,532 |
| $500 | $2,150 |
| $1,000 | $1,782 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,150 |
| 50/100 | $2,447 |
| 100/300 | $2,526 |
| 250/500 | $2,732 |
| 100 CSL | $2,479 |
| 300 CSL | $2,653 |
| 500 CSL | $2,779 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,934 |
| 20 | $7,968 |
| 30 | $4,836 |
| 40 | $4,690 |
| 50 | $4,468 |
| 60 | $4,432 |
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 | $120 |
| Multi-vehicle | $111 |
| Homeowner | $27 |
| 5-yr Accident Free | $180 |
| 5-yr Claim Free | $144 |
| Paid in Full/EFT | $114 |
| Advance Quote | $117 |
| Online Quote | $159 |
| Total Discounts | $972 |
Discounts are estimated and may not be available from every company or in every state.
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