Porsche 911 Insurance Rates

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Cheapest 2020 Porsche 911 Insurance Rates in 2025

Looking for the cheapest insurance rates for your Porsche 911? Finding the cheapest insurance for a new or used Porsche 911 could be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to buy insurance and we'll show you the best way to price shop coverage for your Porsche and locate the best price possible from local insurance agents and onl...

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:

Comprehensive $502
Collision $1050
Liability $390

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.

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

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.

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

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

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

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.

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

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

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 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

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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