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: Jun 6, 2023

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Average auto insurance rates for a Porsche 911 are $2,100 annually with full coverage. Comprehensive costs around $502 a year, collision costs $1,050, and liability insurance costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing around $4,586. Teenage drivers receive the highest rates at $7,452 a year or more.

Average premium for full coverage: $2,100

Rate estimates for individual coverage type:

Comprehensive $502
Collision $1050
Liability $390

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and 911 trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $452 for basic liability insurance to a high of $4,586 for a high-risk driver policy.

Liability Only $452
Full Coverage $2,100
High Risk $4,586

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $1,575
Small Cities $2,205
Large Cities $2,835

These examples demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, 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.

Rate Comparisons

The chart below details estimated Porsche 911 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,151
  • Using higher $1,000 deductibles will save about $1,750 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $2,100
  • Using low $100 deductibles for physical damage coverage will cost $2,790
  • Drivers who are prone to accidents and violations could pay at least $4,586 or more
  • The cost with full coverage for a teen driver can be $7,452 or more

View Chart as Image

Porsche 911 insurance cost comparison chart
Column chart showing full coverage Porsche 911 insurance rates range from $1,151 to $7,452

Auto insurance rates for a Porsche 911 can also vary considerably based on the trim level of your 911, your driving record, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $7,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $2,500 to $3,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 46% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $1,040 each year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Porsche 911 insurance rates. A driver around age 40 might see 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.

Porsche 911 Insurance Rates by State
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%

View Chart as Image

Porsche 911 insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 $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 Buy Cheap Porsche 911 Insurance

Saving money on Porsche 911 insurance requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief summary of the information illustrated above.

  • You may be able to save up to $270 per year simply by quoting early and online
  • Teenage drivers are expensive to insure, with premiums as much as $621 per month if full coverage is included
  • Increasing deductibles could save up to $1,050 each year
  • High-risk drivers that tend to have accidents or serious violations may pay on average $2,490 more every year for auto insurance
  • Drivers who may need higher levels of liability will pay an extra $430 every year to increase from a minimum limit to higher 250/500 limits

Rates by Driver Age

Porsche 911 Insurance 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

Porsche 911 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,790
$250 $2,468
$500 $2,100
$1,000 $1,750

Full coverage, driver age 40

Rates by Liability Limit

Porsche 911 Insurance Rates with Different Liability Limits
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

Porsche 911 Insurance 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.

SR-22 Surcharge $306

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
Rate after discounts $1,151

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

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