Porsche Insurance Rates

The average cost of car insurance for a Porsche model is about $2,765 per year.

This is $698 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Porsche insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Porsche insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Porsche Model

Model Good Driver Recent Accident Poor Credit
Porsche 911 Insurance Cost $3,716 $5,535 $6,543
Porsche 718 Boxster Insurance Cost $2,496 $3,718 $4,395
Porsche Cayenne Insurance Cost $2,323 $3,460 $4,090
Porsche Macan Insurance Cost $1,966 $2,928 $3,461
Porsche Panamera Insurance Cost $3,322 $4,948 $5,849

The cost to insure a Porsche model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Porsche, then see our insurance analysis and rankings for other makes and models here.

Porsche Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $9,364 $13,948 $16,488
18 $8,727 $12,998 $15,366
19 $7,712 $11,487 $13,579
20 $6,725 $10,016 $11,840
21 $5,639 $8,400 $9,930
22 $5,492 $8,180 $9,670
23 $4,806 $7,158 $8,461
24 $4,565 $6,800 $8,038
25 $3,940 $5,868 $6,937
30 $3,069 $4,571 $5,404
35 $2,875 $4,282 $5,061
40 $2,765 $4,118 $4,868
45 $2,690 $4,007 $4,737
55 $2,467 $3,675 $4,344
65 $2,574 $3,833 $4,532
75 $3,248 $4,838 $5,719

Porsche auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Porsche models by state.

Average Porsche Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,929 $4,103 $5,135
Alaska $2,423 $3,529 $3,698
Arizona $2,739 $4,249 $6,059
Arkansas $3,003 $4,549 $5,089
California $3,344 $5,848 $3,344
Colorado $3,120 $4,320 $5,388
Connecticut $3,986 $6,163 $7,894
Delaware $3,300 $4,544 $6,032
Florida $3,929 $5,337 $6,958
Georgia $3,204 $4,938 $5,066
Hawaii $1,280 $1,766 $1,280
Idaho $2,223 $2,992 $3,725
Illinois $2,327 $3,440 $3,989
Indiana $2,391 $3,736 $4,360
Iowa $1,893 $2,841 $3,310
Kansas $2,519 $3,709 $4,394
Kentucky $3,642 $5,478 $6,443
Louisiana $4,675 $7,145 $7,692
Maine $1,768 $2,371 $3,460
Maryland $2,861 $4,195 $4,954
Massachusetts $2,294 $3,880 $2,294
Michigan $5,536 $8,323 $12,798
Minnesota $2,279 $3,061 $4,532
Mississippi $2,751 $4,156 $4,390
Missouri $2,592 $3,570 $4,617
Montana $2,636 $4,124 $4,548
Nebraska $2,228 $3,154 $3,588
Nevada $3,675 $5,547 $6,086
New Hampshire $2,556 $4,120 $5,246
New Jersey $2,816 $4,440 $5,728
New Mexico $2,876 $4,139 $4,648
New York $2,664 $3,470 $5,600
North Carolina $1,651 $2,666 $2,055
North Dakota $2,260 $3,479 $4,416
Ohio $2,015 $3,296 $3,414
Oklahoma $3,218 $4,832 $5,480
Oregon $2,928 $4,422 $5,073
Pennsylvania $2,467 $3,730 $4,280
Rhode Island $4,118 $6,319 $7,227
South Carolina $2,796 $4,047 $5,775
South Dakota $2,509 $3,452 $4,142
Tennessee $2,951 $4,414 $5,569
Texas $2,972 $4,374 $5,490
Utah $2,528 $3,655 $5,041
Vermont $1,946 $3,112 $3,401
Virginia $1,833 $2,760 $2,933
Washington $2,427 $3,646 $4,299
West Virginia $2,442 $3,556 $4,391
Wisconsin $2,434 $3,554 $4,316
Wyoming $2,272 $3,339 $3,733

Other Important Porsche Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Porsche models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Porsche? We have millions of new and used vehicles listed. Here are some Porsche models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.