Porsche Insurance Rates

The average cost of car insurance for a Porsche model is about $3,251 per year.

This is $1,026 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.

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

The single best place to buy auto insurance.

Save time & money with real advice from auto insurance experts.

Call us at (855) 786-1144

M-F: 8AM – 9PM EST

Sat: 10AM – 6PM EST

How it works

Provide your zip code

Give us your location to provide quotes that are specific to your area.

Answer a few questions

Get total coverage for you and your vehicle in one simple process.

Get personalized quotes

Compare different providers, coverage, and prices that best meet your needs.

Finalize the Policy

A licensed insurance agent will call to set up your new and upgraded insurance policy.

MassDrive Insurance Group, LLC, is the licensed agent for all products. View the licensing information for MassDrive Insurance Group here

Insurance Cost per Porsche Model

Model Good Driver Recent Accident Poor Credit
Porsche 911 Insurance Cost $4,836 $7,102 $8,308
Porsche 718 Boxster Insurance Cost $2,847 $4,180 $4,890
Porsche Cayenne Insurance Cost $2,471 $3,629 $4,245
Porsche Macan Insurance Cost $2,224 $3,265 $3,820
Porsche Panamera Insurance Cost $3,877 $5,693 $6,661

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 $11,012 $16,170 $18,917
18 $10,263 $15,070 $17,629
19 $9,070 $13,318 $15,580
20 $7,908 $11,612 $13,585
21 $6,632 $9,738 $11,392
22 $6,459 $9,484 $11,095
23 $5,651 $8,298 $9,708
24 $5,369 $7,884 $9,223
25 $4,633 $6,803 $7,959
30 $3,609 $5,300 $6,200
35 $3,381 $4,964 $5,807
40 $3,251 $4,774 $5,585
45 $3,164 $4,645 $5,434
55 $2,901 $4,261 $4,984
65 $3,026 $4,444 $5,199
75 $3,820 $5,609 $6,562

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 $3,445 $5,003 $6,368
Alaska $2,849 $3,949 $3,839
Arizona $3,221 $4,657 $6,860
Arkansas $3,531 $5,549 $6,109
California $3,932 $6,954 $3,932
Colorado $3,669 $5,135 $6,515
Connecticut $4,688 $7,271 $9,229
Delaware $3,881 $5,172 $6,643
Florida $4,621 $6,393 $8,331
Hawaii $1,505 $2,043 $1,505
Idaho $2,614 $3,466 $4,214
Illinois $2,737 $4,136 $4,716
Indiana $2,811 $4,298 $4,823
Iowa $2,227 $3,054 $3,591
Kansas $2,962 $4,311 $5,042
Kentucky $4,283 $6,287 $7,424
Louisiana $5,498 $8,311 $9,011
Maine $2,079 $2,874 $4,243
Maryland $3,365 $4,897 $5,439
Massachusetts $2,698 $4,706 $2,698
Michigan $6,511 $9,921 $15,649
Minnesota $2,680 $3,573 $5,032
Mississippi $3,235 $4,615 $4,645
Missouri $3,048 $4,358 $5,726
Montana $3,100 $4,325 $5,034
Nebraska $2,620 $3,875 $4,209
Nevada $4,322 $6,410 $6,771
New Hampshire $3,006 $4,753 $6,009
New Jersey $3,312 $5,196 $6,800
New Mexico $3,382 $5,031 $5,223
New York $3,133 $3,945 $6,585
North Carolina $1,942 $3,336 $2,380
North Dakota $2,658 $4,039 $4,777
Ohio $2,370 $3,655 $3,748
Oklahoma $3,784 $5,418 $6,101
Oregon $3,443 $4,620 $5,518
Pennsylvania $2,901 $4,259 $4,983
Rhode Island $4,843 $7,103 $7,999
South Carolina $3,289 $4,558 $6,291
South Dakota $2,951 $4,252 $4,906
Tennessee $3,470 $5,108 $6,803
Texas $3,495 $5,049 $6,280
Utah $2,973 $4,166 $5,732
Vermont $2,288 $3,524 $3,725
Virginia $2,156 $3,310 $3,244
Washington $2,854 $3,873 $4,625
West Virginia $2,872 $4,112 $5,152
Wisconsin $2,863 $4,468 $5,097
Wyoming $2,672 $3,741 $3,984
Georgia $3,767 $5,633 $5,680