Porsche 911 Insurance Rates

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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...

Insurance Lawyer

UPDATED: Mar 30, 2024

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The average insurance prices for a Porsche 911 are $2,150 every 12 months for full coverage. Comprehensive costs on average $528 each year, collision insurance costs $1,092, and liability costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance costs around $4,690. Teenage drivers cost the most to insure at up to $7,572 a year.

Average premium for full coverage: $2,150

Policy rates by type of insurance:

Comprehensive $528
Collision $1092
Liability $372

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and 911 models.

Price Range Variability

For the normal driver, Porsche 911 insurance rates range from the cheapest price of $438 for liability-only coverage to a high rate of $4,690 for a driver who requires high-risk insurance.

Liability Only $438
Full Coverage $2,150
High Risk $4,690

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,613
Small Cities $2,258
Large Cities $2,903

The examples above show why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.

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 Charts and Tables

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

  • The best discount rate is $1,178
  • Using higher $1,000 deductibles will save around $368 a year
  • The average price for a good driver age 40 with $500 deductibles is $2,150
  • Using low deductibles for physical damage coverage increases the price to $2,870
  • Drivers who are prone to accidents and violations could pay upwards of $4,690
  • Policy cost to insure a teen driver may cost $7,572 or more

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing Porsche 911 insurance rates range from $1,178 to $7,572 for full coverage

Car 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.

Using high physical damage deductibles could cut rates by as much as $1,090 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $2,000 a year, or $167 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $7,500 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 $2,600 to $3,400 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 135% more than a normal 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 $1,420 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $3,070 on average in Michigan, Louisiana, and New York.

Porsche 911 Insurance Rates by State
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%

View Chart as Image

Porsche 911 insurance rates by U.S. city

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 $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 Right Porsche 911 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a quick rundown of the concepts that were presented in the illustrations above.

  • Higher risk drivers with reckless driving or DUI convictions pay an average of $2,540 more each year to insure their 911
  • Teen drivers are expensive to insure, costing up to $631 each month if the policy includes full coverage
  • Drivers can save as much as $280 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $1,100 each year
  • Drivers can save as much as $280 per year just by quoting online in advance

Rates by Driver Age

Porsche 911 Insurance 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

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,870
$250 $2,532
$500 $2,150
$1,000 $1,782

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
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

Porsche 911 Insurance 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.

SR-22 Surcharge $312

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
Rate after discounts $1,178

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

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