Porsche 911 Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Porsche 911 are $2,100 a year for full coverage. Comprehensive costs around $502, collision insurance costs $1,050, and liability is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs around $4,586. Teen drivers cost the most to insure at up to $7,452 a year.
Average premium for full coverage: $2,100
Policy rates for type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all 911 models.
Price Range Variability
For the average driver, Porsche 911 insurance rates range from as low as $452 for basic liability insurance to the much higher price of $4,586 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and risk profile, instead of using 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.
Rate Comparisons
The chart below shows average Porsche 911 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,151
- Choosing higher $1,000 deductibles can save about $350 a year
- The average rate for a good driver age 40 using $500 deductibles is $2,100
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,790
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $4,586
- Policy cost for full coverage for a teen driver for full coverage can be $7,452 each year
Insurance rates for a Porsche 911 also range considerably based on your risk profile, the trim level of your 911, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,900 annually on average, or $158 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $7,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Porsche 911 insurance prices. A good driver about age 40 could pay as low as $1,380 a year in states like Idaho, Maine, and Iowa, or as much as $3,000 on average in Michigan, Louisiana, and New York.
| 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 high deductibles can save as much as $1,040 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,500 to $3,400 extra every year, depending on your age. Porsche 911 insurance for high-risk drivers ranges as much as 46% to 133% more than average. View High Risk Driver Rates
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 Low Cost Porsche 911 Insurance
Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a review of the primary concepts that were touched on above.
- Drivers can save up to $270 per year just by quoting online well ahead of the renewal date
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $2,490 more every year to insure a Porsche 911
- Increasing comprehensive and collision deductibles can save around $1,050 each year
- Drivers under the age of 20 pay higher rates, costing up to $621 each month for full coverage
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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