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: Mar 30, 2024

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U.S. average insurance prices for a Porsche 911 are $2,100 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $502, collision insurance costs $1,050, and liability insurance is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $4,586 or more. Teen drivers pay the highest rates at up to $7,452 a year.

Average premium for full coverage: $2,100

Price estimates by individual coverage:

Comprehensive $502
Collision $1050
Liability $390

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different 911 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Porsche 911 insurance prices range from the cheapest price of $452 for the bare minimum liability coverage to a much higher rate 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 significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on 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.

Additional Rate Information

The chart below illustrates average Porsche 911 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,151
  • Raising to $1,000 deductibles will save $350 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $2,100
  • Choosing more expensive low deductibles costs an extra $690 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $4,586
  • The price to insure a teen driver with full coverage can cost $7,452

View Chart as Image

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

Car insurance prices for a Porsche 911 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your 911.

Choosing high deductibles can reduce prices by up to $1,040 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $7,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $2,500 to $3,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 46% to 133% more than average. View High Risk Driver Rates

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 North Carolina, Wisconsin, and Vermont, or as much as $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

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 Shop for Cheap Porsche 911 Insurance

Getting lower rates on Porsche 911 insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief summary of the information raised in the charts and tables above.

  • It is possible to save around $270 per year just by shopping early and online
  • Teen drivers pay the highest auto insurance prices, as much as $621 a month if the policy includes full coverage
  • Increasing physical damage deductibles could save as much as $1,050 each year
  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $2,490 more per year to insure their 911
  • Drivers who purchase more liability coverage will pay about $430 annually to raise from a low limit to a 250/500 level

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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