Porsche Insurance Rates

Porsche Insurance Rates

The average cost of car insurance for Porsche models is about $4,170 per year.

This is $1,275 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. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. 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.

$13,16318$19,328$22,612$5,94225$8,726$10,209$4,62930$6,798$7,952$4,17040$6,123$7,163$3,72155$5,464$6,393Age of DriverAge$0$2k$4k$6k$8k$10k$12k$14k$16k$18k$20k$22kGood Driver and CreditRecent At-Fault AccidentPoor Credit RatingAverage Porsche Annual Insurance Premium
Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Porsche insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure


Insurance Cost per Porsche Model

Model Good Driver Recent Accident Poor Credit
Estimated Porsche 911 Insurance Rates $6,110 $8,972 $10,496
Estimated Porsche 718 Boxster Insurance Rates $3,672 $5,392 $6,308
Estimated Porsche Cayenne Insurance Rates $3,220 $4,728 $5,532
Estimated Porsche Macan Insurance Rates $2,898 $4,255 $4,978
Estimated Porsche Panamera Insurance Rates $4,950 $7,268 $8,503

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.

Are car insurance rates based on credit score?

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 Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $14,125 $20,740 $24,264
18 $13,163 $19,328 $22,612
19 $11,633 $17,082 $19,983
20 $10,143 $14,894 $17,424
21 $8,506 $12,490 $14,612
22 $8,284 $12,164 $14,231
23 $7,249 $10,643 $12,452
24 $6,886 $10,112 $11,829
25 $5,942 $8,726 $10,209
30 $4,629 $6,798 $7,952
35 $4,336 $6,367 $7,448
40 $4,170 $6,123 $7,163
45 $4,058 $5,958 $6,970
55 $3,721 $5,464 $6,393
65 $3,882 $5,700 $6,668
75 $4,900 $7,194 $8,416

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 Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $4,832 $7,226 $7,285
Wyoming $3,428 $4,799 $5,110
Wisconsin $3,671 $5,731 $6,537
West Virginia $3,683 $5,274 $6,608
Washington $3,660 $4,968 $5,932
Virginia $2,765 $4,245 $4,161
Vermont $2,935 $4,520 $4,778
Utah $3,813 $5,343 $7,352
Texas $4,483 $6,476 $8,055
Tennessee $4,451 $6,552 $8,725
South Dakota $3,785 $5,453 $6,293
South Carolina $4,218 $5,846 $8,069
Rhode Island $6,211 $9,111 $10,260
Pennsylvania $3,720 $5,462 $6,391
Oregon $4,417 $5,926 $7,078
Oklahoma $4,854 $6,949 $7,825
Ohio $3,039 $4,688 $4,807
North Dakota $3,409 $5,181 $6,127
North Carolina $2,491 $4,280 $3,052
New York $4,018 $5,060 $8,446
New Mexico $4,338 $6,453 $6,699
New Jersey $4,248 $6,665 $8,722
New Hampshire $3,856 $6,097 $7,708
Nevada $5,543 $8,221 $8,685
Nebraska $3,360 $4,969 $5,399
Montana $3,975 $5,547 $6,456
Missouri $3,910 $5,590 $7,344
Mississippi $4,150 $5,919 $5,958
Minnesota $3,438 $4,584 $6,454
Michigan $8,351 $12,726 $20,072
Massachusetts $3,461 $6,037 $3,461
Maryland $4,315 $6,280 $6,976
Maine $2,666 $3,686 $5,442
Louisiana $7,052 $10,660 $11,558
Kentucky $5,493 $8,064 $9,523
Kansas $3,800 $5,529 $6,467
Iowa $2,856 $3,917 $4,606
Indiana $3,606 $5,513 $6,186
Illinois $3,510 $5,306 $6,050
Idaho $3,353 $4,445 $5,404
Hawaii $1,930 $2,620 $1,930
Florida $5,927 $8,200 $10,685
Delaware $4,978 $6,634 $8,521
Connecticut $6,013 $9,326 $11,837
Colorado $4,707 $6,586 $8,357
California $5,044 $8,919 $5,044
Arkansas $4,530 $7,117 $7,836
Arizona $4,131 $5,973 $8,799
Alaska $3,654 $5,066 $4,924
Alabama $4,418 $6,417 $8,168

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