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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U.S. average insurance prices for a Porsche 911 are $2,080 every 12 months for full coverage. Comprehensive costs around $482 each year, collision costs $1,042, and liability insurance costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing around $4,552. Teen drivers pay the highest rates at $7,430 a year or more.
Average premium for full coverage: $2,080
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and 911 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Porsche 911 insurance prices go from the cheapest price of $460 for liability-only coverage to a high rate of $4,552 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why all drivers should compare rates for a specific zip code and their own driving history, 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 shows estimated Porsche 911 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,138
- Drivers who choose higher $1,000 deductibles will pay about $346 a year
- The average price for the average middle-age driver using $500 deductibles is $2,080
- Choosing low deductibles for comprehensive and collision insurance increases the price to $2,758
- High risk drivers with multiple violations and an at-fault accident could pay at least $4,552 or more
- The price to insure a teen driver can be $7,430 a year
Car insurance prices for a Porsche 911 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing high deductibles could save up to $1,030 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $7,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $2,500 to $3,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Porsche 911 insurance rates. A 40-year-old driver could pay as low as $1,370 a year in states like Idaho, Maine, and Iowa, or as much as $2,970 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,882 | -$198 | -9.5% |
| Alaska | $1,596 | -$484 | -23.3% |
| Arizona | $1,726 | -$354 | -17.0% |
| Arkansas | $2,080 | -$0 | 0.0% |
| California | $2,372 | $292 | 14.0% |
| Colorado | $1,986 | -$94 | -4.5% |
| Connecticut | $2,140 | $60 | 2.9% |
| Delaware | $2,354 | $274 | 13.2% |
| Florida | $2,602 | $522 | 25.1% |
| Georgia | $1,922 | -$158 | -7.6% |
| Hawaii | $1,494 | -$586 | -28.2% |
| Idaho | $1,408 | -$672 | -32.3% |
| Illinois | $1,552 | -$528 | -25.4% |
| Indiana | $1,568 | -$512 | -24.6% |
| Iowa | $1,406 | -$674 | -32.4% |
| Kansas | $1,978 | -$102 | -4.9% |
| Kentucky | $2,840 | $760 | 36.5% |
| Louisiana | $3,080 | $1,000 | 48.1% |
| Maine | $1,284 | -$796 | -38.3% |
| Maryland | $1,716 | -$364 | -17.5% |
| Massachusetts | $1,664 | -$416 | -20.0% |
| Michigan | $3,616 | $1,536 | 73.8% |
| Minnesota | $1,742 | -$338 | -16.3% |
| Mississippi | $2,494 | $414 | 19.9% |
| Missouri | $1,846 | -$234 | -11.3% |
| Montana | $2,236 | $156 | 7.5% |
| Nebraska | $1,640 | -$440 | -21.2% |
| Nevada | $2,496 | $416 | 20.0% |
| New Hampshire | $1,500 | -$580 | -27.9% |
| New Jersey | $2,326 | $246 | 11.8% |
| New Mexico | $1,842 | -$238 | -11.4% |
| New York | $2,192 | $112 | 5.4% |
| North Carolina | $1,200 | -$880 | -42.3% |
| North Dakota | $1,702 | -$378 | -18.2% |
| Ohio | $1,436 | -$644 | -31.0% |
| Oklahoma | $2,136 | $56 | 2.7% |
| Oregon | $1,906 | -$174 | -8.4% |
| Pennsylvania | $1,986 | -$94 | -4.5% |
| Rhode Island | $2,776 | $696 | 33.5% |
| South Carolina | $1,886 | -$194 | -9.3% |
| South Dakota | $1,754 | -$326 | -15.7% |
| Tennessee | $1,822 | -$258 | -12.4% |
| Texas | $2,506 | $426 | 20.5% |
| Utah | $1,538 | -$542 | -26.1% |
| Vermont | $1,424 | -$656 | -31.5% |
| Virginia | $1,246 | -$834 | -40.1% |
| Washington | $1,608 | -$472 | -22.7% |
| West Virginia | $1,908 | -$172 | -8.3% |
| Wisconsin | $1,440 | -$640 | -30.8% |
| Wyoming | $1,854 | -$226 | -10.9% |
Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,882 | $157 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,870 | $156 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,922 | $160 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $1,966 | $164 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,884 | $157 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $1,956 | $163 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,908 | $159 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,092 | $174 |
| Porsche 911 GT3 2-Dr Coupe | $2,166 | $181 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,334 | $195 |
| Porsche 911 Turbo 2-Dr Coupe | $2,346 | $196 |
| Porsche 911 Turbo 2-Dr Convertible | $2,294 | $191 |
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 | $482 | $1,042 | $398 | $2,080 |
| 2023 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2022 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2021 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2020 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2019 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2018 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2017 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2016 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2015 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2014 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2013 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2012 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2011 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2010 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2009 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2008 Porsche 911 | $246 | $348 | $452 | $1,204 |
| 2007 Porsche 911 | $224 | $330 | $446 | $1,158 |
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 More Affordable Porsche 911 Insurance
Getting lower rates on Porsche 911 insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a summary of the data that was raised in the charts and tables above.
- Drivers can save up to $270 per year simply by quoting online in advance
- Drivers who may need more liability protection will pay about $440 each year to go from a low limit to a 250/500 level
- Youthful drivers are the costliest to insure, with premiums as much as $619 a month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $2,470 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,430 |
| 20 | $4,866 |
| 30 | $2,204 |
| 40 | $2,080 |
| 50 | $1,896 |
| 60 | $1,862 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,758 |
| $250 | $2,440 |
| $500 | $2,080 |
| $1,000 | $1,734 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,080 |
| 50/100 | $2,362 |
| 100/300 | $2,446 |
| 250/500 | $2,666 |
| 100 CSL | $2,395 |
| 300 CSL | $2,581 |
| 500 CSL | $2,717 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,720 |
| 20 | $7,750 |
| 30 | $4,690 |
| 40 | $4,552 |
| 50 | $4,340 |
| 60 | $4,306 |
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 | $115 |
| Multi-vehicle | $110 |
| Homeowner | $27 |
| 5-yr Accident Free | $174 |
| 5-yr Claim Free | $139 |
| Paid in Full/EFT | $110 |
| Advance Quote | $113 |
| Online Quote | $154 |
| Total Discounts | $942 |
Discounts are estimated and may not be available from every company or in every state.
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