Porsche 911 Insurance Rates

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UPDATED: Mar 30, 2024

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The average insurance rates for a Porsche 911 are $2,100 a year with full coverage. Comprehensive costs around $502 a year, collision costs $1,050, and liability coverage costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing around $4,586. Teens cost the most to insure at $7,452 a year or more.

Average premium for full coverage: $2,100

Policy rates for type of insurance:

Comprehensive $502
Collision $1050
Liability $390

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and 911 trim levels.

Price Range Variability

For an average driver, Porsche 911 insurance rates go from the low end price of $452 for just the minimum liability insurance to a high of $4,586 for high-risk insurance.

Liability Only $452
Full Coverage $2,100
High Risk $4,586

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,575
Small Cities $2,205
Large Cities $2,835

The examples above demonstrate why it is important to compare rates for a specific zip code, rather than using averaged prices.

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.

Additional Rate Analysis

The chart below details estimated Porsche 911 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,151
  • Drivers who choose higher $1,000 deductibles will pay about $1,750 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $2,100
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,790
  • High-risk insureds with serious driving violations could pay at least $4,586 or more
  • Policy cost that insures a teenage driver can be $7,452 a year

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing full coverage Porsche 911 insurance rates range from $1,151 to $7,452

Insurance rates for a Porsche 911 also range considerably based on the trim level of your 911, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $2,500 to $3,400 additional every year, depending on your age. A high-risk auto insurance policy can cost around 46% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,900 per year on average, or $158 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $7,400 a year. View Rates by Age

Your home state makes a big difference in Porsche 911 insurance rates. A 40-year-old driver could pay as low as $1,510 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,830 on average in Florida, Michigan, and New York.

Porsche 911 Insurance Rates by State
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%

View Chart as Image

Porsche 911 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $1,040 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Every company calculates rates differently, and 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.

Porsche 911 Insurance Rates by Model Year
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 Cheapest Porsche 911 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a recap of the material that was covered in the above illustrations.

  • Consumers who may need more liability coverage will pay approximately $430 every year to go from a 30/60 limit to the 250/500 level
  • Teen drivers are charged the highest rates, as much as $621 each month if comprehensive and collision insurance is included
  • Drivers that have major violations or accidents may pay on average $2,490 more every year to insure their 911
  • Increasing comprehensive and collision deductibles can save approximately $1,050 each year

Rates by Driver Age

Porsche 911 Insurance 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

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,790
$250 $2,468
$500 $2,100
$1,000 $1,750

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
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

Porsche 911 Insurance 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.

SR-22 Surcharge $306

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
Rate after discounts $1,151

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

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