Porsche 911 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 6, 2023
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The average insurance rates for a Porsche 911 are $2,100 a year for full coverage insurance. Comprehensive costs approximately $502 a year, collision costs $1,050, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $4,586. Teens cost the most to insure at $7,452 a year or more.
Average premium for full coverage: $2,100
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and 911 trim levels.
Price Range Variability
For the average 40-year-old driver, Porsche 911 insurance rates go from the low end price of $452 for basic liability insurance to a high of $4,586 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why it is important to compare rates quotes using their 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.
Rate Comparisons
The chart below illustrates estimated Porsche 911 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,151
- Raising to $1,000 deductibles will save $1,750 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $2,100
- Selecting low $100 deductibles bumps up the cost to $2,790
- Drivers with serious driving violations could pay around $4,586 or more
- Policy cost that insures a 16-year-old driver can cost $7,452
 
				Car insurance rates for a Porsche 911 also range considerably based on the trim level of your 911, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $2,500 to $3,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 46% to 133% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low 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 will be charged in the ballpark of $7,400 a year. View Rates by Age
Your home state also has a big influence on Porsche 911 insurance prices. A middle-age driver might find rates as low as $1,370 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,830 on average in Florida, New York, and Michigan.
| 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 higher comprehensive and collision insurance deductibles can reduce rates by up to $1,040 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company calculates rates differently, so rate quotes 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 the Best Cheap Porsche 911 Insurance
Finding cheaper rates on insurance for a Porsche 911 consists of being safe and accident-free, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
Below you'll find a quick review of the coverage data touched on in this article.
- It is possible to save around $270 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $1,050 each year
- Youthful drivers pay the highest auto insurance rates, possibly costing $621 each month if full coverage is purchased
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $2,490 more per year than a low-risk 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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