Porsche 911 Insurance Rates
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UPDATED: Mar 30, 2024
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The average insurance rates for a Porsche 911 are $2,150 a year for full coverage insurance. Comprehensive insurance costs around $528 a year, collision insurance costs $1,092, and liability is estimated at $372. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $4,690 or more. Teen drivers cost the most to insure at up to $7,572 a year.
Average premium for full coverage: $2,150
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and 911 trim levels.
Price Range Variability
For the average driver, Porsche 911 insurance rates range from the low end price of $438 for just liability insurance to a high of $4,690 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code, 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.
More Rate Details
The chart below illustrates average Porsche 911 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,178
- Choosing higher $1,000 deductibles can save about $1,782 each year
- The estimated price for a good driver age 40 using $500 deductibles is $2,150
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $720 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $4,690
- Policy cost that insures a teen driver can be $7,572 each year
Car insurance rates for a Porsche 911 also range considerably based on the trim level of your 911, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $2,600 to $3,400 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 135% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $2,000 annually on average, or $167 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $7,500 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 $1,400 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,900 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,944 | -$206 | -9.6% |
| Alaska | $1,650 | -$500 | -23.3% |
| Arizona | $1,784 | -$366 | -17.0% |
| Arkansas | $2,150 | -$0 | 0.0% |
| California | $2,450 | $300 | 14.0% |
| Colorado | $2,056 | -$94 | -4.4% |
| Connecticut | $2,210 | $60 | 2.8% |
| Delaware | $2,434 | $284 | 13.2% |
| Florida | $2,690 | $540 | 25.1% |
| Georgia | $1,986 | -$164 | -7.6% |
| Hawaii | $1,544 | -$606 | -28.2% |
| Idaho | $1,454 | -$696 | -32.4% |
| Illinois | $1,602 | -$548 | -25.5% |
| Indiana | $1,620 | -$530 | -24.7% |
| Iowa | $1,452 | -$698 | -32.5% |
| Kansas | $2,044 | -$106 | -4.9% |
| Kentucky | $2,932 | $782 | 36.4% |
| Louisiana | $3,184 | $1,034 | 48.1% |
| Maine | $1,328 | -$822 | -38.2% |
| Maryland | $1,774 | -$376 | -17.5% |
| Massachusetts | $1,722 | -$428 | -19.9% |
| Michigan | $3,736 | $1,586 | 73.8% |
| Minnesota | $1,800 | -$350 | -16.3% |
| Mississippi | $2,576 | $426 | 19.8% |
| Missouri | $1,908 | -$242 | -11.3% |
| Montana | $2,310 | $160 | 7.4% |
| Nebraska | $1,696 | -$454 | -21.1% |
| Nevada | $2,578 | $428 | 19.9% |
| New Hampshire | $1,550 | -$600 | -27.9% |
| New Jersey | $2,402 | $252 | 11.7% |
| New Mexico | $1,904 | -$246 | -11.4% |
| New York | $2,264 | $114 | 5.3% |
| North Carolina | $1,238 | -$912 | -42.4% |
| North Dakota | $1,760 | -$390 | -18.1% |
| Ohio | $1,484 | -$666 | -31.0% |
| Oklahoma | $2,208 | $58 | 2.7% |
| Oregon | $1,970 | -$180 | -8.4% |
| Pennsylvania | $2,052 | -$98 | -4.6% |
| Rhode Island | $2,866 | $716 | 33.3% |
| South Carolina | $1,950 | -$200 | -9.3% |
| South Dakota | $1,814 | -$336 | -15.6% |
| Tennessee | $1,884 | -$266 | -12.4% |
| Texas | $2,590 | $440 | 20.5% |
| Utah | $1,592 | -$558 | -26.0% |
| Vermont | $1,470 | -$680 | -31.6% |
| Virginia | $1,290 | -$860 | -40.0% |
| Washington | $1,662 | -$488 | -22.7% |
| West Virginia | $1,972 | -$178 | -8.3% |
| Wisconsin | $1,488 | -$662 | -30.8% |
| Wyoming | $1,916 | -$234 | -10.9% |
Choosing high deductibles can save as much as $1,090 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche 911 Carrera 2 2-Dr Coupe | $1,938 | $162 |
| Porsche 911 Carrera 2 Cabriolet 2-Dr Convertible | $1,938 | $162 |
| Porsche 911 Carrera 4 2-Dr Coupe | $1,984 | $165 |
| Porsche 911 Carrera 2 S 2-Dr Coupe | $2,030 | $169 |
| Porsche 911 Carrera 4 Cabriolet 2-Dr Convertible | $1,952 | $163 |
| Porsche 911 Carrera Targa 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 2 S 2-Dr Convertible | $2,028 | $169 |
| Porsche 911 Carrera 4S 2-Dr Coupe | $2,074 | $173 |
| Porsche 911 Carrera 4S Cabriolet 2-Dr Convertible | $1,980 | $165 |
| Porsche 911 Carrera Targa S 2-Dr Coupe | $2,162 | $180 |
| Porsche 911 GT3 2-Dr Coupe | $2,238 | $187 |
| Porsche 911 GT3 RS 2-Dr Coupe | $2,420 | $202 |
| Porsche 911 Turbo 2-Dr Coupe | $2,432 | $203 |
| Porsche 911 Turbo 2-Dr Convertible | $2,384 | $199 |
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 | $528 | $1,092 | $372 | $2,150 |
| 2023 Porsche 911 | $502 | $1,050 | $390 | $2,100 |
| 2022 Porsche 911 | $482 | $1,042 | $398 | $2,080 |
| 2021 Porsche 911 | $466 | $1,016 | $416 | $2,056 |
| 2020 Porsche 911 | $450 | $974 | $430 | $2,012 |
| 2019 Porsche 911 | $424 | $940 | $442 | $1,964 |
| 2018 Porsche 911 | $408 | $872 | $452 | $1,890 |
| 2017 Porsche 911 | $392 | $822 | $456 | $1,828 |
| 2016 Porsche 911 | $376 | $736 | $460 | $1,730 |
| 2015 Porsche 911 | $352 | $678 | $460 | $1,648 |
| 2014 Porsche 911 | $340 | $636 | $464 | $1,598 |
| 2013 Porsche 911 | $330 | $592 | $474 | $1,554 |
| 2012 Porsche 911 | $306 | $550 | $474 | $1,488 |
| 2011 Porsche 911 | $298 | $500 | $478 | $1,434 |
| 2010 Porsche 911 | $278 | $458 | $474 | $1,368 |
| 2009 Porsche 911 | $262 | $416 | $474 | $1,310 |
| 2008 Porsche 911 | $254 | $372 | $468 | $1,252 |
| 2007 Porsche 911 | $250 | $364 | $460 | $1,232 |
| 2004 Porsche 911 | $216 | $314 | $442 | $1,130 |
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 Right Porsche 911 Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having a positive credit history, being claim-free, and consideration of higher deductibles. Shop around every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a quick rundown of the coverage data touched on above.
- It is possible to save up to $280 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $1,100 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $631 each month if full coverage is purchased
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $2,540 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,006 |
| 30 | $2,284 |
| 40 | $2,150 |
| 50 | $1,958 |
| 60 | $1,922 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,870 |
| $250 | $2,532 |
| $500 | $2,150 |
| $1,000 | $1,782 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $2,150 |
| 50/100 | $2,447 |
| 100/300 | $2,526 |
| 250/500 | $2,732 |
| 100 CSL | $2,479 |
| 300 CSL | $2,653 |
| 500 CSL | $2,779 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,934 |
| 20 | $7,968 |
| 30 | $4,836 |
| 40 | $4,690 |
| 50 | $4,468 |
| 60 | $4,432 |
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 | $120 |
| Multi-vehicle | $111 |
| Homeowner | $27 |
| 5-yr Accident Free | $180 |
| 5-yr Claim Free | $144 |
| Paid in Full/EFT | $114 |
| Advance Quote | $117 |
| Online Quote | $159 |
| Total Discounts | $972 |
Discounts are estimated and may not be available from every company or in every state.
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