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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U.S. average auto insurance rates for a Porsche 911 are $2,100 annually for full coverage insurance. Comprehensive insurance costs around $502, collision costs $1,050, and liability coverage is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing $4,586 or more. Teen drivers pay the highest rates at $7,452 a year or more.

Average premium for full coverage: $2,100

Price estimates for individual coverage:

Comprehensive $502
Collision $1050
Liability $390

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all 911 models.

Price Range from Low to High

Using a 40-year-old driver as an example, Porsche 911 insurance prices go from as cheap as $452 for basic liability insurance to the much higher price of $4,586 for a high-risk driver policy.

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

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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 illustrates estimated Porsche 911 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,151
  • Raising to $1,000 deductibles will save about $350 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $2,100
  • Choosing pricier low deductibles costs an additional $690 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $4,586 or more
  • The price with full coverage for a teenage driver for full coverage can be $7,452

View Chart as Image

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

Insurance prices for a Porsche 911 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $7,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $2,500 to $3,400 extra each year, depending on your age. Porsche 911 insurance for high-risk drivers is expensive and can cost around 46% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $1,040 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Porsche 911 insurance rates. A middle-age driver might find prices as low as $1,370 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,830 on average in Michigan, New York, and Florida.

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

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite 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 the Best Porsche 911 Insurance

Getting lower rates on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the information raised in the charts and tables above.

  • It is possible to save up to $270 per year simply by quoting online well ahead of the renewal date
  • Drivers age 20 and younger pay higher prices, as much as $621 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $1,050 each year
  • Drivers who tend to receive serious violations pay on average $2,490 more every year to buy Porsche 911 insurance
  • Consumers who may need increased levels of liability coverage will pay about $430 annually to raise from a low 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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