How much does Porsche car insurance cost?

When you think Porsche, you think sports cars—luxurious, sleek, and fast. But the automaker has more to offer than just sports cars, with models ranging from sleek crossovers to electric vehicles. Porsche offers something for every driver!

Unfortunately, Porsches aren’t known for their low insurance premiums. Porsche drivers pay an average of $996 per year for auto insurance—but every Porsche car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.

How to find the cheapest Porsche car insurance Quotes

We closely analyzed Porsche insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.

Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage	Has Full Coverage
January 13, 2025	Porsche Cayenne S	National General	$227	Hilda, 59, Playa Del Rey, CA	30/60	Yes
January 10, 2025	Porsche Macan S	National General	$240	Brandon, 36, Miami, FL	No Coverage	No
January 9, 2025	Porsche Macan	Progressive	$100	David, 34, Santa Clarita, CA	30/60	No
January 8, 2025	Porsche Macan	Progressive	$269	Lola, 29, Tamarac, FL	100/300	Yes
January 8, 2025	Porsche 911 Carrera 4S	National General	$241	Earl, 53, Petaluma, CA	30/60	Yes

Last Updated Jan 15, 2025

Best car insurance companies for Porsche drivers

Since so many different factors contribute to car insurance rates, no one company is best for all Porsche drivers. When you’re shopping for car insurance, comparing rates is essential—and Jerry conducted the largest survey in the country to help you get started!

Check out how Porsche drivers rate different insurance companies.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

Insurance costs for popular Porsche models

The Porsche model you drive will have an impact on your insurance rates—particularly in the following categories:

• Safety features: Better safety features mean a lower risk of accidents and injuries—and lower insurance premiums.
• Vehicle value: Porsches are pricey cars, but you’ll pay more to insure a fully equipped Panamera than you will for a base-trim Boxster.
• Vehicle class: Rates tend to be lower for SUVs than for sports cars.
• Engine size: More horsepower means more speed… and potentially more speeding tickets. A car with more power will typically have higher insurance premiums.
• Availability of replacement parts: Older Porsche models can be trickier to find replacement parts for, which can up the cost of insurance.
• Cost of repairs: Expensive vehicles and EVs like the new all-electric Taycan cost more to repair and will come with higher car insurance rates.

Check out the table below to see the average cost of auto insurance for some popular Porsche models.

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Porsche Cayenne	$96	$188
Porsche Macan	$73	$193
Porsche Panamera	$87	$195
Porsche Boxster	$70	$189
Porsche 911	$70	$214

Minimum coverage insurance is the minimum amount of coverage legally required in your state and typically includes low amounts of basic liability insurance, including both bodily injury and property damage liability.

Full-coverage insurance, on the other hand, includes collision and comprehensive coverage and provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes. Jerry makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds.

Porsche Cayenne insurance costs

Porsche’s sleek Cayenne SUV has surged in popularity, making it the manufacturer’s best-selling vehicle in 2022. Seating for five, great cargo space, and even off road capabilities make the Cayenne a popular pick for families.

Trim levels can also influence your Porsche insurance costs since each one comes with slightly different features. The 2024 Cayenne comes in four trims with lots of different configurations available.

• Cayenne: Starting at $79,200, the base model features a 12.3-inch touchscreen, 10-speaker stereo, and a 225-hp turbo V-6 engine that will get you 0-60 in under 6 seconds.
• E-Hybrid: Starting at $91,700, the E-Hybrid is Porsche’s plug-in hybrid trim with a turbocharged V-6 and an all-electric range of 17 miles.
• S: Starting at $95,700, the S trim ups the ante with more horsepower and speed-sensitive steering.
• GTS: Starting at $114,550, the Cayenne GTS features the Sport Design package, lower suspension, and an optional interior package that includes contrasting decorative stitching and GTS logos.

Higher trim levels like the GTS come with more expensive repair and replacement costs, and therefore more expensive insurance premiums. Here are the average costs of car insurance for Porsche Cayenne trims based on quotes from Jerry customers.

Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Cayenne Porsche Cayenne	$130	$196
Cayenne Turbo	$71	$165
Cayenne S	$84	$187
Cayenne GTS	$70	$206

Check out some real quotes from Jerry users:

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Porsche Cayenne S	Bristol West	$668	Harold, 37, Dearborn Heights, MI	State Minimum	Yes
Porsche Cayenne S	Dairyland	$65	Rose, 58, Spring Valley, CA	30/60	No
Porsche Cayenne S	National General	$81	Jon, 41, Santa Rosa, CA	30/60	No
Porsche Cayenne	Progressive	$245	Juan, 22, Miami Beach, FL	No Coverage	Yes
Porsche Cayenne	Mendota	$140	Jonathan, 71, Las Vegas, NV	State Minimum	No

Last Updated Jan 20, 2025

Porsche Macan insurance costs

The Macan is Porsche’s compact luxury SUV, and it delivers on style as well as safety ratings and fuel economy. It offers a sporty frame and nimble handling, making it an easy 2nd-place contender for the top-selling model.

As you move up in trims, you’ll find that insurance rates tend to increase.

The following trims are available on the 2024 Macan:

• Macan: Starting at $60,900, the base trim includes a 10.9-inch touchscreen infotainment system, standard driver assistance tech, and a 261-hp engine that can hit speeds of 144 mph.
• Macan T: Starting at $66,500, the Macan T adds a fine-tuned drivetrain for better performance, 20-inch wheels, and an agate gray color option.
• Macan S: Starting at $72,300, the S trim has a 375-hp V-6 engine, faux suede upholstery, and advanced safety tech.
• Macan GTS: Starting at $86,800, the GTS gives you a 434-hp engine with a sport exhaust system, upgraded brakes, and upgraded interior tech features.

Here’s how much you might expect your cost to change based on the trim level of your car:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Macan S	$87	$182
Macan Porsche Macan	$70	$195

In the table below, you’ll find real quotes for real people from Jerry who drive a Porsche Macan:

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Porsche Macan S	National General	$240	Brandon, 36, Miami, FL	No Coverage	No
Porsche Macan	Progressive	$100	David, 34, Santa Clarita, CA	30/60	No
Porsche Macan	Progressive	$269	Lola, 29, Tamarac, FL	100/300	Yes
Porsche Macan S	Trexis	$211	Bobby, 55, St. Simons Island, GA	State Minimum	Yes
Porsche Macan S	National General	$384	Roger, 34, West Hollywood, CA	30/60	Yes

Last Updated Jan 15, 2025

Porsche 911 insurance cost

The Porsche 911 is a classic and comes in an astounding 24 different trims. It’s a car that comes to mind when you think, ‘sports car’—and for good reason. The 911 offers incredible performance, near-perfect handling, and a sophisticated interior.

But don’t expect cheap insurance to come alongside it all. Of course, if you’re driving the top-of-the-line 911 Sport Classic, you’ll likely be quite far above this average!

Here’s a rundown of some of the trims:

• Carrera: Starting at $114,400, the base trim Carrera features a twin-charged boxer 6 motor, Sport Seats, and the standard safety and info tech with a 10.9-inch screen—plus a top speed of 182 mph.
• Carrera S: Starting at 131,300, the Carrera S trim adds bigger wheels and an extra 64 horsepower, giving it more oomph and a smooth ride.
• Carrera GTS: Starting at $150,900, the Carrera GTS includes the Sport Chrono package, satin black 20”/21” wheels, and a 0-60 time of 3.9 seconds.
• Turbo: Starting at $197,200, the 911 Turbo is a fast car (0-60 in just 2.6 seconds!) with an 8-speed automatic transmission, plenty of standard tech, and a premium Bose sound system.

Here’s how much you might expect your cost to change based on the trim level of your car:

Check out these real Porsche 911 insurance quotes from Jerry.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Porsche 911 Carrera 4S	National General	$241	Earl, 53, Petaluma, CA	30/60	Yes
Porsche 911 Carrera 2	Progressive	$44	Lucille, 51, Hawthorne, CA	30/60	No
Porsche 911 Carrera 2	National General	$44	Tom, 69, Santa Barbara, CA	State Minimum	No
Porsche 911 Carrera	National General	$60	Catherine, 27, Fontana, CA	State Minimum	No
Porsche 911 Carrera	Bristol West	$412	Carolyn, 28, Fort Lee, NJ	25/50	No

Last Updated Jan 15, 2025

Porsche Taycan insurance costs

The Taycan is Porsche’s answer to the EV—a sporty, all-electric car with a maximum range of about 246 miles. Performance and handling are what you’d expect from Porsche and the interior is comfortable with room for four and loads of luxurious tech features.

But EVs are typically more expensive to insure due to the technology and repair costs.

The 2024 Taycan is available in five trims with many different configurations:

• Taycan: Starting at $90,900, the base trim features a large infotainment display with wireless Android Auto, quick charging capabilities, four-zone climate control, and a 0-60 time of 5.1 seconds.
• 4S: Starting at $111,700, the Taycan 4S offers upgraded handling and quicker acceleration, reaching 0-60 in a measly 3.4 seconds.
• GTS: Starting at $139,300, the GTS has an exclusive drivetrain, SportDesign package, the sporty GTS interior package, and the Performance Battery Plus as standard.
• Turbo: Starting at $160,800, the Turbo trim does just what you’d expect—up the power. It features a 670-hp engine that can reach a top speed of 161 miles and gets 0-60 in 3.0 seconds.
• Turbo S: Starting at $194,900, the Turbo S swaps the engine out for one that delivers 750 hp, has 18-way adaptive Sport Seats, and offers a sleek two-tone interior with all the tech you’d expect from this level of Porsche.

Here’s how much you might expect your cost to change based on the trim level of your car:That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Porsche Cayenne S	National General	$227	Hilda, 59, Playa Del Rey, CA	30/60	Yes
Porsche Macan S	National General	$240	Brandon, 36, Miami, FL	No Coverage	No
Porsche Macan	Progressive	$100	David, 34, Santa Clarita, CA	30/60	No
Porsche Macan	Progressive	$269	Lola, 29, Tamarac, FL	100/300	Yes
Porsche 911 Carrera 4S	National General	$241	Earl, 53, Petaluma, CA	30/60	Yes

Last Updated Jan 15, 2025

Porsche Panamera insurance costs

A Porsche family sedan? You bet. The Panamera is a sophisticated sedan that’s as nice to drive as it is to look at. It features top-notch driver assistance features but is currently unrated for safety, which could hurt your insurance costs a bit.

The 2024 Panamera comes in 6 trims with many more configurations. Here are the most popular:

• Panamera: Starting at $92,400, the base trim is well equipped with a 325-hp engine, a spacious interior with ample cargo space, and standard tech features like navigation, Apple CarPlay, and Android Auto.
• 4: Starting at $98,450, the Panamera 4 is the entry-level AWD trim—and it comes in at under $100k with the same (excellent) standard features as the base rear-wheel drive trim.
• 4 E-hybrid: Starting at $110,450, this is Porsche’s AWD plug-in hybrid sedan with an all-electric range of about 18 miles but an impressive 52 MPGe. EVs are usually more expensive to insure, though you’ll certainly save on fuel.
• 4S: Starting at $112,350, the 4S ups the performance with AWD, 19-inch wheels, and all the great safety features and tech that you’ll find in the base Panamera.
• GTS: Starting at $136,650, the GTS is the next step up and features standard AWD, the SportDesign and Sport Chrono packages, 20-inch wheels, and Race-Tex Sport seats in the front.

Here’s how much you might expect your cost to change based on the trim level of your car:

That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Porsche Panamera	National General	$281	Mae, 57, Thousand Oaks, CA	30/60	Yes
Porsche Panamera 4	Bristol West	$456	Adrian, 48, Atlanta, GA	State Minimum	Yes
Porsche Panamera Base	Bristol West	$809	Franklin, 44, Sunnyvale, CA	30/60	Yes
Porsche Panamera 4	Bristol West	$797	Francisco, 40, Chicago, IL	State Minimum	Yes
Porsche Panamera	Trexis	$175	Alfred, 45, Mobile, AL	State Minimum	Yes

Last Updated Jan 19, 2025

Are Porsches more expensive to insure?

Compared to the average cost of others vehicles, Porches cost 2% more to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Porsche	$83	$197
Toyota	$93	$166
Dodge	$95	$189
Mercedes-Benz	$100	$208
Acura	$103	$186

Cheapest Porsches to insure

The cheapest Porsche model to insure is the 2013 Porsche Panamera with an average monthly premium of $43 for state minimum coverage and an average of $165 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2013 Porsche Panamera	$70	$165
2021 Porsche Macan	$70	$179
2018 Porsche Macan	$70	$203
2014 Porsche Cayman	$70	$287
2020 Porsche Cayenne	$70	$197

Most expensive Porsches to insure

The most expensive Porsche model to insure is 2012 Porsche Cayenne with an average monthly premium of $137 for state minimum coverage and an average of $254 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost
2012 Porsche Cayenne	$130	$254
2019 Porsche Cayenne	$129	$287
2018 Porsche Panamera	$127	$240
2010 Porsche Panamera	$121	$215
2015 Porsche Macan	$87	$204

Don’t forget that your insurance costs depend on factors other than your car—things like your driving record, location, age, and more. Shopping around for customized insurance quotes will help you get a better idea of what you can expect to pay.

What factors affect Porsche car insurance rates?

Insurance companies use a number of factors to calculate car insurance rates, including:

• Vehicle cost: It costs more to purchase collision and comprehensive coverage for luxury, high-performance, and sports cars like Porsches.
• Vehicle age: Newer vehicles tend to be more expensive to insure since they have more technology and a higher actual cash value.
• Cost of parts: If parts are hard to come by (or repair costs are high), you can expect higher insurance rates.
• Your age: Drivers under age 25 pay some of the highest insurance rates. Senior drivers over the age of 70 also tend to see increases in premiums.
• Your driving record and claims history: Maintaining a clean driving record will jelp you secure the lowest insurance rates, while a history of tickets or accidents will spike your premium—sometimes for years.
• Where you keep your car: Where you live matters to your insurance company since some areas have higher population density, theft rates, and other factors that make it riskier to insure you.

These factors are important to consider for Porsches, specifically:

• Imports: All Porsche vehicles are manufactured in Germany and imported to the U.S., which usually means higher repair and replacement costs.
• Safety: Porsches deliver strong performance in European safety tests, but they aren’t rated by either the NHTSA or the IIHS.
• Reliability: Porsche isn’t high on the reliability scale, which can mean a higher risk of claims.

Porsche insurance cost for young drivers

Teen drivers ages 16 to 19 pay the highest car insurance rates of any age group. But since the accident rate is so high among young drivers, it’s important for teens to have full coverage on their vehicles.

Porsche insurance cost for senior drivers

Like young and new drivers, car insurance rates for seniors over the age of 75 tend to be high due to a higher likelihood of accidents. And since older people are more prone to injuries, insurance claims for medical expenses can lead to high costs for insurance companies.

While your age affects your insurance rates, a number of other factors also play a role in determining how much you’ll pay to protect your vehicle. That’s why shopping for personalized insurance quotes is the best way to know what you can expect to pay for car insurance.

Porsche insurance cost for drivers with driving violations

Your driving record has a major impact on your car insurance costs—and having a clean record without any violations or at-fault accidents will result in the lowest rates. If you have any of the following violations on your record in the last three to five years, you’ll see a surcharge on your insurance coverage:

• Speeding tickets
• DUIs
• At fault accidents
• Reckless driving
• Driving on a suspended license

Cheapest car insurance for Porsche drivers with a speeding ticket

While one small speeding ticket won’t send your insurance premium skyrocketing, a history of repeated violations or one serious speeding ticket could cause your Porsche insurance costs to jump. Jerry helps Porsche drivers with speeding tickets find savings on car insurance.

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Speeding Violation-Minor	Porsche Cayenne	Dairyland	$101	Maggie, 22, Rohnert Park, CA	30/60	No
Speeding Violation-Minor	Porsche 911 Carrera 2	Progressive	$44	Lucille, 51, Hawthorne, CA	30/60	No
Speeding Violation-Minor	Porsche Cayenne Se Hybrid Platinum	Progressive	$93	Pearl, 35, San Jose, CA	30/60	No
Speeding 11-15	Porsche Macan	National General	$441	Eugenia, 38, Columbia, SC	State Minimum	Yes
Speeding Violation-Minor	Porsche Cayenne	Bristol West	$599	Etta, 66, Thousand Oaks, CA	State Minimum	Yes

Last Updated Jan 15, 2025

Cheapest car insurance for Porsche drivers with a DUI record

A DUI conviction is serious, but not every insurer weighs this type of violation the same way—so your car insurance rates could vary dramatically. The best way to ensure you’re getting the best deal is to compare quotes from multiple insurers. Jerry has helped lots of Porsche drivers find affordable auto insurance after a DUI.

Cheapest car insurance for Porsche drivers after an accident

Your car accident and claims history is another significant factor that will impact your car insurance rates. Having a recent at-fault accident on your record will mean high insurance rates—but Jerry can help you save by comparison shopping across top insurance companies.

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
At Fault With No Injury	Porsche Cayenne	Progressive	$245	Juan, 22, Miami Beach, FL	No Coverage	Yes
At Fault With No Injury	Porsche Cayenne	Mendota	$140	Jonathan, 71, Las Vegas, NV	State Minimum	No
At Fault With No Injury	Porsche Panamera 4	Bristol West	$456	Louise, 48, Atlanta, GA	State Minimum	Yes
Not At Fault	Porsche Cayenne	Progressive	$203	Howard, 55, Atlanta, GA	State Minimum	No
At Fault With No Injury	Porsche Macan S	Trexis	$211	Alex, 55, St. Simons Island, GA	State Minimum	Yes

Last Updated Jan 20, 2025

Cheapest car insurance for Porsche drivers with other driving violations on their record

Speeding tickets and DUIs aren’t the only violations that will cause your insurance rates to jump—reckless driving and driving on a suspended license will do the same. Check out how Porsche drivers with various violations have found savings on their policies by shopping with Jerry.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Ticket Violation Not Listed	Porsche Cayenne	National General	$61	Jeffery, 44, San Diego, CA	State Minimum	No
Ticket Violation Not Listed	Porsche Cayenne	Dairyland	$41	Martha, 43, Willits, CA	State Minimum	No
Other Minor	Porsche Macan Base	National General	$720	Leon, 34, Greenwich, CT	State Minimum	Yes
Failure to Yield	Porsche Macan	National General	$50	Ethan, 27, Pittsburgh, PA	State Minimum	No
Other Minor	Porsche Cayenne	Dairyland	$120	Jay, 34, Irvine, CA	State Minimum	No

Last Updated Jan 15, 2025

How can I lower the cost of my Porsche car insurance?

There are lots of ways that you can reduce your car insurance expenses for your Porsche.

• Shop around: Shopping around for insurance coverage will let you find the best rate for the coverage you need. With Jerry, you can review quotes from top providers in less than a minute—and then sign up for your new policy right in the app.
• Opt for a small SUV: Smaller SUVs tend to have the best prices—so if you’re in the market for a Porsche, opting for a Macan might get you a better insurance deal than a sporty 911.
• Bundle your insurance policies: Bundling your home and auto insurance with the same company can give you savings on each one.
• Sign up for a telematics program: While Porsche doesn’t have a telematics program to track your driving habits, many insurers do—and participating in one can qualify you for car insurance discounts.
• Reduce your coverage: If you drive an older car, reducing your coverage will lower your insurance premium. The general rule is that you can reduce coverage if your car is worth less than 10 times the premium you’re paying.
• Increase your deductible: Your deductible is the amount of money you pay out of pocket before your collision or comprehensive insurance coverage kicks in on a claim. Increasing your deductible will reduce your monthly payments—but make sure you can pay it in the event of a claim.