Porsche 911 Insurance Rates
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Michelle Robbins
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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, collision costs $1,050, and liability insurance is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $4,586. Teenage drivers 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:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all 911 models.
Price Range Variability
Using a 40-year-old driver as an example, Porsche 911 insurance rates go from the low end price of $452 for a discount liability-only rate to the much higher price of $4,586 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code, rather than relying on 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.
Rates by State, City, and Model
The chart below details estimated Porsche 911 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,151
- Raising to $1,000 deductibles will save about $350 annually
- The estimated price for a good driver age 40 using $500 deductibles is $2,100
- Using pricier low deductibles bumps up the cost to $2,790
- Higher-risk drivers who are prone to accidents and violations could pay at least $4,586 or more
- Policy cost that insures a teen driver for full coverage can be $7,452
Insurance rates for a Porsche 911 also range considerably based on the model 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. Porsche 911 insurance for high-risk drivers is expensive and can cost anywhere from 46% to 133% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,900 every 12 months 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 also has a big influence on Porsche 911 insurance rates. A middle-age driver might find rates as low as $1,510 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,830 on average in Florida, Michigan, and New York.
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% |
Using high physical damage deductibles can reduce rates by up to $1,040 each year, whereas buying more liability protection 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 regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Porsche 911 Carrera 2 2-Dr Coupe | $1,898 | $158 |
Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,892 | $158 |
Porsche 911 Carrera 4 2-Dr Coupe | $1,942 | $162 |
Porsche 911 Carrera 2 S 2-Dr Coupe | $1,984 | $165 |
Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,904 | $159 |
Porsche 911 Carrera Targa 2-Dr Coupe | $2,028 | $169 |
Porsche 911 Carrera 2 S 2-Dr Convertible | $1,978 | $165 |
Porsche 911 Carrera 4S 2-Dr Coupe | $2,028 | $169 |
Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,930 | $161 |
Porsche 911 Carrera Targa S 2-Dr Coupe | $2,114 | $176 |
Porsche 911 GT3 2-Dr Coupe | $2,186 | $182 |
Porsche 911 GT3 RS 2-Dr Coupe | $2,358 | $197 |
Porsche 911 Turbo 2-Dr Coupe | $2,372 | $198 |
Porsche 911 Turbo 2-Dr Convertible | $2,322 | $194 |
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 | $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 Low Cost Porsche 911 Insurance
Finding cheaper rates on Porsche 911 insurance consists of being a good driver, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a review of the data that was raised in the charts and tables above.
- You may be able to save up to $270 per year simply by quoting online well ahead of the renewal date
- Drivers who may need an increased level of liability coverage will pay an extra $430 every year to raise from a 30/60 limit to the 250/500 level
- Drivers age 16 to 20 are charged the highest rates, as much as $621 each month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations may pay on average $2,490 more every year than a safer driver
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,790 |
$250 | $2,468 |
$500 | $2,100 |
$1,000 | $1,750 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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