Porsche 911 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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Estimated insurance rates for a Porsche 911 are $2,100 a year for full coverage insurance. Comprehensive insurance costs around $502 each year, collision costs $1,050, and liability insurance is $390. A policy with only liability insurance costs around $452 a year, with a high-risk policy costing $4,586 or more. Teen drivers pay the most at $7,452 a year or more.
Average premium for full coverage: $2,100
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and 911 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Porsche 911 go from the low end price of $452 for liability-only coverage to a high rate of $4,586 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why all drivers should compare rates quotes for a specific zip code, rather than relying on price 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.
Additional Charts and Tables
The chart below illustrates estimated Porsche 911 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,151
- Raising to $1,000 deductibles will save about $350 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $2,100
- Choosing low deductibles will cost an additional $690 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,586 or more
- An auto insurance policy that insures a teen driver can be $7,452
Car insurance prices for a Porsche 911 also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $2,500 to $3,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 46% to 133% more than average. View High Risk Driver Rates
More mature drivers with no driving violations 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. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $7,400 a year. View Rates by Age
Where you choose to live also has a big influence on Porsche 911 insurance rates. A middle-age driver might find prices as low as $1,370 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,830 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can reduce prices by up to $1,040 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.
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 the Best Cheap Porsche 911 Insurance
Finding better rates on Porsche 911 insurance consists of avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The points below are a quick review of the data covered in the above illustrations.
- Drivers who may need increased liability limits will pay about $430 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save up to $270 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $1,050 each year
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $621 per month if full coverage is purchased
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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