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: May 1, 2020

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Estimated insurance rates for a Porsche 911 are $2,056 a year for full coverage. Comprehensive insurance costs on average $466, collision costs $1,016, and liability costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $4,504 or more. Teens pay the most at $7,390 a year or more.

Average premium for full coverage: $2,056

Premium estimates by type of coverage:

Comprehensive $466
Collision $1016
Liability $416

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different 911 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Porsche 911 go from the low end price of $474 for just the minimum liability insurance to a much higher rate of $4,504 for a policy for a high-risk driver.

Liability Only $474
Full Coverage $2,056
High Risk $4,504

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,542
Small Cities $2,159
Large Cities $2,776

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on 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 shows estimated Porsche 911 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $1,126
  • Using higher $1,000 deductibles will save around $336 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $2,056
  • Selecting more expensive low deductibles for physical damage coverage will cost an additional $660 annually
  • High-risk insureds with serious driving violations could pay upwards of $4,504 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage may cost $7,390 or more

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing full coverage Porsche 911 insurance prices range from $1,126 to $7,390

Insurance prices for a Porsche 911 also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $2,500 to $3,300 additional annually, depending on your age. High-risk driver insurance can be from 45% to 136% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,900 a year, or $158 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $7,300 a year. View Rates by Age

Where you choose to live has a huge impact on Porsche 911 insurance prices. A driver around age 40 might see prices as low as $1,350 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,930 on average in Michigan, Louisiana, and New York.

Porsche 911 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,858 -$198 -9.6%
Alaska $1,580 -$476 -23.2%
Arizona $1,708 -$348 -16.9%
Arkansas $2,056 -$0 0.0%
California $2,342 $286 13.9%
Colorado $1,964 -$92 -4.5%
Connecticut $2,114 $58 2.8%
Delaware $2,326 $270 13.1%
Florida $2,572 $516 25.1%
Georgia $1,898 -$158 -7.7%
Hawaii $1,476 -$580 -28.2%
Idaho $1,392 -$664 -32.3%
Illinois $1,534 -$522 -25.4%
Indiana $1,550 -$506 -24.6%
Iowa $1,388 -$668 -32.5%
Kansas $1,956 -$100 -4.9%
Kentucky $2,806 $750 36.5%
Louisiana $3,044 $988 48.1%
Maine $1,268 -$788 -38.3%
Maryland $1,696 -$360 -17.5%
Massachusetts $1,644 -$412 -20.0%
Michigan $3,572 $1,516 73.7%
Minnesota $1,720 -$336 -16.3%
Mississippi $2,464 $408 19.8%
Missouri $1,826 -$230 -11.2%
Montana $2,210 $154 7.5%
Nebraska $1,620 -$436 -21.2%
Nevada $2,464 $408 19.8%
New Hampshire $1,482 -$574 -27.9%
New Jersey $2,298 $242 11.8%
New Mexico $1,820 -$236 -11.5%
New York $2,166 $110 5.4%
North Carolina $1,184 -$872 -42.4%
North Dakota $1,684 -$372 -18.1%
Ohio $1,422 -$634 -30.8%
Oklahoma $2,110 $54 2.6%
Oregon $1,884 -$172 -8.4%
Pennsylvania $1,962 -$94 -4.6%
Rhode Island $2,744 $688 33.5%
South Carolina $1,862 -$194 -9.4%
South Dakota $1,736 -$320 -15.6%
Tennessee $1,802 -$254 -12.4%
Texas $2,478 $422 20.5%
Utah $1,522 -$534 -26.0%
Vermont $1,406 -$650 -31.6%
Virginia $1,234 -$822 -40.0%
Washington $1,590 -$466 -22.7%
West Virginia $1,886 -$170 -8.3%
Wisconsin $1,424 -$632 -30.7%
Wyoming $1,830 -$226 -11.0%

View Chart as Image

Porsche 911 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $1,000 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices from multiple companies. Each insurance company calculates prices differently, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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
2020 Porsche 911 $466 $1,016 $416 $2,056
2017 Porsche 911 $408 $872 $452 $1,890
2013 Porsche 911 $340 $636 $464 $1,598
2009 Porsche 911 $278 $458 $474 $1,368
2008 Porsche 911 $262 $416 $474 $1,310
2007 Porsche 911 $254 $372 $468 $1,252
2004 Porsche 911 $224 $330 $446 $1,158
2003 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 Find Low Cost Porsche 911 Insurance

Finding better rates on insurance for a Porsche 911 requires avoiding accidents and violations, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The list below is a review of the coverage data raised in the charts and tables above.

  • Drivers can save as much as $260 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $1,000 each year
  • Teenagers pay higher prices, as much as $616 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $2,450 more each year for car insurance

Rates by Driver Age

Porsche 911 Insurance Rates by Driver Age
Driver Age Premium
16 $7,390
20 $4,810
30 $2,174
40 $2,056
50 $1,876
60 $1,842

Full coverage, $500 deductibles

Rates by Deductible

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,716
$250 $2,406
$500 $2,056
$1,000 $1,720

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,056
50/100 $2,331
100/300 $2,419
250/500 $2,649
100 CSL $2,366
300 CSL $2,561
500 CSL $2,703

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche 911 Insurance Rates for High Risk Drivers
Age Premium
16 $10,656
20 $7,674
30 $4,636
40 $4,504
50 $4,296
60 $4,262

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 $302

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $114
Multi-vehicle $109
Homeowner $27
5-yr Accident Free $171
5-yr Claim Free $138
Paid in Full/EFT $108
Advance Quote $111
Online Quote $152
Total Discounts $930
Rate after discounts $1,126

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

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