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Updated on Nov 29, 2023

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

Jump to:

How much does Porsche car insurance cost?
How to find the cheapest Porsche car insurance Quotes
Insurance costs for popular Porsche models
What factors affect Porsche car insurance rates?
How can I lower the cost of my Porsche car insurance?
FAQs
Methodology
Meet Our Experts

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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!

Compare car insurance quotes now

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

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

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	$67	$189
Porsche 911	$57	$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.

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| Verified Jerry Customer

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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 2023 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.

: 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
Porsche Cayenne S	$84	$187
Porsche Cayenne	$135	$196
Porsche Cayenne Turbo	$71	$165
Porsche Cayenne GTS	$64	$206

Check out some real quotes from Jerry users:

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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 2023 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
Porsche Macan S	$87	$182
Porsche Macan	$51	$195

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

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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:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Porsche 911 Turbo	$67	$274
Porsche 911 New Generation Carrera	$47	$134

Check out these real Porsche 911 insurance quotes from Jerry.

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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 2023 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:

Compare car insurance quotes now

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 2023 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:

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Porsche Panamera 4	$127	$298
Porsche Panamera 2	$75	$156
Porsche Panamera S	$67	$203
Porsche Panamera Turbo	$154	$195

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

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
Lincoln	$94	$191
Tesla	$95	$225
Hummer	$95	$165
Lexus	$97	$194

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	$43	$165
2021 Porsche Macan	$51	$179
2018 Porsche Macan	$52	$203
2014 Porsche Cayman	$58	$304
2020 Porsche Cayenne	$58	$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	Average Monthly Full Coverage Insurance Cost
2012 Porsche Cayenne	$137	$254
2019 Porsche Cayenne	$129	$293
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.

Cheapest car insurance for Porsche drivers with a DUI record

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.

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.

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.

FAQs

Are Porsches expensive to insure?

Compared to less expensive makes, Porsches can be expensive to insure. But your insurance rate will depend on many factors, including the model and trim level you opt for, as well as your location, age, driving record, and more.

Are Porsches reliable?

While Porsches may be sporty and fast, they aren’t all that reliable. RepairPal rates the vehicles just 2.0 out of 5.0 for reliability, placing them dead last among 32 popular car brands.

How much does it cost to insure a Porsche Panamera?

On average, a Porsche Panamera costs $2340 per year for full coverage and $1044 per year for minimum coverage. Your driving history, personal profile, location, and other factors will impact this rate, though.

What’s the cheapest Porsche to insure?

The cheapest Porsche to insure is the 2013 Porsche Panamera with an average annual insurance cost of $1980 for full coverage and $516 for minimum coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.