Porsche 911 Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Porsche 911 are $2,150 a year including full coverage. Comprehensive insurance costs around $528 each year, collision insurance costs $1,092, and liability costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver 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 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 911 models.
Price Range Variability
For the average driver, Porsche 911 insurance rates range from as low as $438 for just liability coverage to a high rate of $4,690 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, 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.
Detailed Rate Analysis
The chart below breaks down average Porsche 911 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,178
- Using higher $1,000 deductibles will save about $368 every year
- The average rate for a good driver age 40 using $500 deductibles is $2,150
- Choosing low deductibles for physical damage coverage will cost an extra $720 every year
- Drivers with multiple violations and an at-fault accident could pay at least $4,690
- Policy cost for full coverage for a teen driver can be $7,572 or more
Auto insurance rates for a Porsche 911 also range considerably based on your risk profile, the model of your 911, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as little as $2,000 a year, or $167 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $7,500 a year. View Rates by Age
Your home state has a huge impact on Porsche 911 insurance prices. A driver around age 40 might see rates as low as $1,650 a year in states like Missouri, New Hampshire, and Vermont, or as much as $3,070 on average in Michigan, New York, and Louisiana.
| 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 could cut rates by as much as $1,090 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $2,600 to $3,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 135% more than average. View High Risk Driver Rates
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 requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a quick rundown of the material that was touched on above.
- Policyholders who may need higher liability limits will pay about $410 per year to increase from a 30/60 limit to 250/500 limits
- Teens are expensive to insure, with premiums being up to $631 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,540 more every year for 911 insurance
- Increasing comprehensive and collision deductibles can save around $1,100 each year
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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