Porsche 911 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2023
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The average insurance prices for a Porsche 911 are $2,080 every 12 months for full coverage insurance. Comprehensive costs around $482, collision insurance costs $1,042, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $4,552. 16-year-old drivers cost the most to insure at up to $7,430 a year.
Average premium for full coverage: $2,080
Policy rates for type of insurance:
Prices include $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all 911 models.
Price Range Variability
For a 40-year-old driver, Porsche 911 insurance rates range from the cheapest price of $460 for basic liability insurance to the much higher price of $4,552 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The examples above illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on rate 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 average Porsche 911 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,138
- Using higher $1,000 deductibles will save about $346 each year
- The average price for a good driver age 40 using $500 deductibles is $2,080
- Buying pricier low deductibles for physical damage coverage increases the price to $2,758
- High-risk insureds with multiple tickets or accidents could pay at least $4,552
- Policy cost to insure a 16-year-old driver for full coverage can be $7,430 or more
Auto insurance rates for a Porsche 911 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $1,030 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,900 a year, or $158 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $7,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $2,500 to $3,300 in extra premium every year, depending on your age. Porsche 911 insurance for high-risk drivers can be from 44% to 134% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Porsche 911 insurance prices. A driver around age 40 might see rates as low as $1,360 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,810 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,882 | -$198 | -9.5% |
| Alaska | $1,596 | -$484 | -23.3% |
| Arizona | $1,726 | -$354 | -17.0% |
| Arkansas | $2,080 | -$0 | 0.0% |
| California | $2,372 | $292 | 14.0% |
| Colorado | $1,986 | -$94 | -4.5% |
| Connecticut | $2,140 | $60 | 2.9% |
| Delaware | $2,354 | $274 | 13.2% |
| Florida | $2,602 | $522 | 25.1% |
| Georgia | $1,922 | -$158 | -7.6% |
| Hawaii | $1,494 | -$586 | -28.2% |
| Idaho | $1,408 | -$672 | -32.3% |
| Illinois | $1,552 | -$528 | -25.4% |
| Indiana | $1,568 | -$512 | -24.6% |
| Iowa | $1,406 | -$674 | -32.4% |
| Kansas | $1,978 | -$102 | -4.9% |
| Kentucky | $2,840 | $760 | 36.5% |
| Louisiana | $3,080 | $1,000 | 48.1% |
| Maine | $1,284 | -$796 | -38.3% |
| Maryland | $1,716 | -$364 | -17.5% |
| Massachusetts | $1,664 | -$416 | -20.0% |
| Michigan | $3,616 | $1,536 | 73.8% |
| Minnesota | $1,742 | -$338 | -16.3% |
| Mississippi | $2,494 | $414 | 19.9% |
| Missouri | $1,846 | -$234 | -11.3% |
| Montana | $2,236 | $156 | 7.5% |
| Nebraska | $1,640 | -$440 | -21.2% |
| Nevada | $2,496 | $416 | 20.0% |
| New Hampshire | $1,500 | -$580 | -27.9% |
| New Jersey | $2,326 | $246 | 11.8% |
| New Mexico | $1,842 | -$238 | -11.4% |
| New York | $2,192 | $112 | 5.4% |
| North Carolina | $1,200 | -$880 | -42.3% |
| North Dakota | $1,702 | -$378 | -18.2% |
| Ohio | $1,436 | -$644 | -31.0% |
| Oklahoma | $2,136 | $56 | 2.7% |
| Oregon | $1,906 | -$174 | -8.4% |
| Pennsylvania | $1,986 | -$94 | -4.5% |
| Rhode Island | $2,776 | $696 | 33.5% |
| South Carolina | $1,886 | -$194 | -9.3% |
| South Dakota | $1,754 | -$326 | -15.7% |
| Tennessee | $1,822 | -$258 | -12.4% |
| Texas | $2,506 | $426 | 20.5% |
| Utah | $1,538 | -$542 | -26.1% |
| Vermont | $1,424 | -$656 | -31.5% |
| Virginia | $1,246 | -$834 | -40.1% |
| Washington | $1,608 | -$472 | -22.7% |
| West Virginia | $1,908 | -$172 | -8.3% |
| Wisconsin | $1,440 | -$640 | -30.8% |
| Wyoming | $1,854 | -$226 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,882 | $157 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,870 | $156 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,922 | $160 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $1,966 | $164 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,884 | $157 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $1,956 | $163 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,008 | $167 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,908 | $159 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,092 | $174 |
| Porsche 911 GT3 2-Dr Coupe | $2,166 | $181 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,334 | $195 |
| Porsche 911 Turbo 2-Dr Coupe | $2,346 | $196 |
| Porsche 911 Turbo 2-Dr Convertible | $2,294 | $191 |
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 | $482 | $1,042 | $398 | $2,080 |
| 2023 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2022 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2021 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2020 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2019 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2018 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2017 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2016 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2015 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2014 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2013 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2012 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2011 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2010 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2009 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2008 Porsche 911 | $246 | $348 | $452 | $1,204 |
| 2007 Porsche 911 | $224 | $330 | $446 | $1,158 |
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 Shop for the Right Porsche 911 Insurance
Finding cheaper rates on insurance for a Porsche 911 requires not taking risks behind the wheel, having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to shop around once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following is a quick rundown of the data that was illustrated above.
- It is possible to save up to $270 per year just by quoting online well ahead of the renewal date
- Insureds who may need higher liability limits will pay around $440 annually to increase from a 30/60 limit to a 250/500 level
- Teens are expensive to insure, possibly costing $619 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,470 more every year for 911 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,430 |
| 20 | $4,866 |
| 30 | $2,204 |
| 40 | $2,080 |
| 50 | $1,896 |
| 60 | $1,862 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,758 |
| $250 | $2,440 |
| $500 | $2,080 |
| $1,000 | $1,734 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,080 |
| 50/100 | $2,362 |
| 100/300 | $2,446 |
| 250/500 | $2,666 |
| 100 CSL | $2,395 |
| 300 CSL | $2,581 |
| 500 CSL | $2,717 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,720 |
| 20 | $7,750 |
| 30 | $4,690 |
| 40 | $4,552 |
| 50 | $4,340 |
| 60 | $4,306 |
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 | $115 |
| Multi-vehicle | $110 |
| Homeowner | $27 |
| 5-yr Accident Free | $174 |
| 5-yr Claim Free | $139 |
| Paid in Full/EFT | $110 |
| Advance Quote | $113 |
| Online Quote | $154 |
| Total Discounts | $942 |
Discounts are estimated and may not be available from every company or in every state.
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