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 insurance prices for a Porsche 911 are $2,100 every 12 months for full coverage. Comprehensive insurance costs on average $502 each year, collision costs $1,050, and liability is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing $4,586 or more. 16-year-old drivers pay the highest rates at $7,452 a year or more.

Average premium for full coverage: $2,100

Price estimates by individual coverage:

Comprehensive $502
Collision $1050
Liability $390

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and 911 models.

Price Range from Low to High

For an average driver, Porsche 911 insurance prices go from the cheapest price of $452 for a discount liability-only rate to a high rate of $4,586 for a high-risk insurance policy.

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

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

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

The ranges above show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using 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.

Rates by State, City, and Model

The chart below shows estimated Porsche 911 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $1,151
  • Raising to $1,000 deductibles will save around $350 a year
  • The average price for the average middle-age driver with $500 deductibles is $2,100
  • Buying low deductibles costs an extra $690 every year
  • At-risk drivers with multiple tickets or accidents could pay upwards of $4,586 or more
  • The price to insure a teen driver may cost $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 deductibles and policy limits, your driver profile, and the trim level of your 911.

Opting for high physical damage deductibles can reduce prices by up to $1,040 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $7,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $2,500 to $3,400 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 46% to 133% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Porsche 911 insurance prices. A middle-age driver might find prices as low as $1,380 a year in states like Idaho, Maine, and Iowa, or at least $3,000 on average in Michigan, Louisiana, and New York.

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 know exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the prices may be quite different.

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 Low Cost Porsche 911 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers who have several accidents or serious violations pay an average of $2,490 more each year to insure a Porsche 911
  • Drivers can save as much as $270 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $1,050 each year
  • Policyholders who require increased liability limits will pay around $430 each year 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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