Cheapest Porsche Car Insurance (Sep 2024)

How much does Porsche car insurance cost? 

How to find the cheapest Porsche car insurance Quotes 

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
September 12, 2024	Porsche Macan	Clearcover	$186	Robert, 38 Missouri City, TX	• State Minimum Liability • Comp / Collision
September 11, 2024	Porsche Cayman S	Progressive	$233	Isaac, 47 Wellington, FL	• 50,000/100,000 Liability • Comp / Collision
September 2, 2024	Porsche Panamera 4 E-Hybrid	Plymouth Rock	$252	Isabelle, 29 Springfield, PA	• State Minimum Liability • Comp / Collision
August 31, 2024	Porsche Cayenne SE Hybrid	Mercury	$83	Lenora, 37 Reston, VA	• 100,000/300,000 Liability • Comp / Collision
August 30, 2024	Porsche Macan S	National General	$179	Polly, 62 Douglasville, GA	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 12, 2024

Best car insurance companies for Porsche drivers

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Porsche models 

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.

Porsche Cayenne insurance costs 

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Porsche Cayenne S	Progressive	$64	Ola, 57 Raleigh, NC	• State Minimum Liability
Porsche Cayenne	Safeco	$200	Eugene, 28 Indianapolis, IN	• State Minimum Liability • Comp / Collision
Porsche Cayenne	Mercury	$249	Ronnie, 53 Miami, FL	• 50,000/100,000 Liability • Comp / Collision
Porsche Cayenne Turbo	Clearcover	$91	Lela, 27 Union City, CA	• 100,000/300,000 Liability
Porsche Cayenne Turbo	Bristol West	$147	Marc, 46 Sharon, MA	• State Minimum Liability • Comp / Collision

Last Updated Sep 16, 2024

Porsche Macan insurance costs 

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Porsche Macan Turbo	Progressive	$85	Theodore, 42 Santa Fe, NM	• State Minimum Liability • Comp / Collision
Porsche Macan	Safeco	$81	Christopher, 38 Bellevue, WA	• 100,000/300,000 Liability • Comp / Collision
Porsche Macan	Plymouth Rock	$258	Helena, 35 Newark, NJ	• 50,000/100,000 Liability • Comp / Collision
Porsche Macan S	Mercury	$87	Birdie, 34 Braselton, GA	• State Minimum Liability
Porsche Macan	Clearcover	$195	Minerva, 36 Austin, TX	• 300,000/300,000 Liability • Comp / Collision

Last Updated Sep 16, 2024

Porsche 911 insurance cost

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Porsche Porsche_911	Progressive	$78	William, 34 Epping, NH	• 50,000/100,000 Liability
Porsche Porsche_911	AAA	$46	Lillian, 44 Claremont, NH	• 100,000/300,000 Liability

Last Updated Sep 13, 2024

Porsche Taycan insurance costs 

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Subaru Forester 2.5I Premium	Safeco	$169	Lena, 27 Lakewood, CO	• State Minimum Liability • Comp / Collision
Subaru Forester 2.5I Premium	Bristol West	$212	Jesus, 31 Colorado Springs, CO	• 50,000/100,000 Liability • Comp / Collision
Subaru Forester Limited	Clearcover	$92	Cameron, 28 Cleveland, OH	• 100,000/300,000 Liability • Comp / Collision
Subaru Forester 2.5X	Gainsco	$79	Victor, 24 Red Lion, PA	• State Minimum Liability
Subaru Forester	National General	$135	Rosie, 75 Fredericksburg, VA	• 30,000/60,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

Porsche Panamera insurance costs 

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Porsche Porsche_panamera	Travelers	$66	Esther, 43 Verona, PA	• 50,000/100,000 Liability • Comp / Collision
Porsche Porsche_panamera	Progressive	$72	Linnie, 42 Boise, ID	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

Are Porsches more expensive to insure?

Cheapest Porsches to insure

Most expensive Porsches to insure

What factors affect Porsche car insurance rates?

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.

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

Progressive

Sara (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Tampa, FL

Porsche Cayenne

$263

per month

Safeco

Michael (23 years old)

Coverage

State Minimum

Staten Island, NY

Porsche Cayenne S Hybrid

$259

per month

State Auto

Lawrence (23 years old)

Coverage

State Minimum

Fort Bragg, NC

Porsche 911 Carrera 2

$169

per month

Dairyland

Marcus (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Bellevue, WA

Porsche Boxster S

$205

per month

Porsche insurance cost for senior drivers

Progressive

Marian (81 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Hernando, FL

Porsche Cayenne S

$102

per month

Clearcover

Josie (79 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Irvine, CA

Porsche Boxster

$127

per month

Infinity

Luella (72 years old)

Coverage

State Minimum

Rosharon, TX

Porsche Panamera 2

$373

per month

The General

Edna (70 years old)

Coverage

State Minimum

Athens, GA

Porsche 911 Carrera

$130

per month

Porsche insurance cost for drivers with driving violations 

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

Cheapest car insurance for Porsche drivers with a speeding ticket

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Speeding 16-20	Porsche Cayenne	Progressive	$376	Jared, 49 Newark, NJ	• 25,000/50,000 Liability • Comp / Collision
Speeding 21+	Porsche Macan S	Plymouth Rock	$419	Addie, 53 Staten Island, NY	• State Minimum Liability • Comp / Collision

Last Updated Sep 13, 2024

Cheapest car insurance for Porsche drivers with a DUI record

Progressive

Daisy (54 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Laguna Niguel, CA

Porsche 911 Carrera S

$447

per month

Cheapest car insurance for Porsche drivers after an accident

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With Injury	Porsche Boxster S	Allstate	$225	Bessie, 58 Los Angeles, CA	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Porsche Macan Turbo	Safeco	$183	Eliza, 39 Ellenwood, GA	• 15,000/30,000 Liability • Comp / Collision
At Fault With Injury	Porsche Cayenne GTS	Travelers	$128	Frank, 39 Charlotte, NC	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Porsche Cayenne GTS	Mercury	$135	Justin, 30 Sicklerville, NJ	• 15,000/30,000 Liability • Comp / Collision
At Fault With No Injury	Porsche Macan	Clearcover	$186	Belle, 34 Milwaukee, WI	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

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

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Defective Equipment	Porsche Macan	Nationwide	$64	Eliza, 37 Charlotte, NC	• State Minimum Liability
Failure to Yield	Porsche Cayenne	Progressive	$151	Miguel, 37 Mcdonough, GA	• 50,000/100,000 Liability
Failure to Yield	Porsche Cayenne	Allstate	$173	Lydia, 37 Mcdonough, GA	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

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

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.