Compare quotes for Porsche car insurance cost, 2022

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The average cost of Porsche car insurance is $1,786 per year. However, the precise cost of Porsche insurance changes based on your model, driving record, location—and insurance company.
Finding the most reasonable car insurance rate for your Porsche can be challenging—there is no such thing as one size fits all car insurance. You and your best friend might have the same Porsche and still have vastly different coverage needs and rates due to factors like driving history and household members. So how do you find the best rate and coverage for your Porsche?
Download Jerry! Jerry is a licensed insurance broker and the most trusted car insurance comparison app for car owners. With the help of this super app, you will find the coverage you need that fits your life and your wallet. Keep reading to learn more about what factors impact the cost of Porsche car insurance and our tips on finding the best rates.

How much does Porsche car insurance cost?

Annually, the average cost of Porsche car insurance coverage is $1,786 But insurance premiums for Porsche drivers vary across models and are based on factors such as driving history, age, coverage limits, and location.
On average, Porsche insurance is higher than non-luxury brand insurance. There are several reasons for this:
  • Porsche repairs need to be handled by a mechanic who specializes in Porsches and has the unique tools that are required. Specialty work comes with a higher per hour cost of labor
  • High-end vehicles come with more bells and whistles to ensure safety for the driver and passengers. This helps keep the cost of liability coverage low but can result in higher comprehensive and collision coverage costs due to the price of parts
  • High-performance cars built for speed have a higher risk of being driven too fast, resulting in more frequent accidents stemming from driver behavior
These factors don’t apply to all cars or all drivers. For example, an older model Porsche may have higher rates because the parts are hard to find, or a newer Porsche may have a surprisingly low cost due to the number of discounts the driver has earned from a particular insurance company. 
The only way to know that you are getting the lowest rate possible on your Porsche insurance is by getting several quotes from multiple companies simultaneously—which is what Jerry does best. Jerry compares rates from the nation’s top insurance providers in 45 seconds or less. These are quotes tailored to your driving profile, and you can make any changes you need in the app and see how they impact your premium in real-time. 

How much insurance do you need for a Porsche?

The appropriate level of insurance coverage depends on several factors, two of which are your Porsche's age and the registered state's requirements.
To legally drive, you must have at least the required minimum of car insurance mandated by your state. Almost all states require liability coverage, which includes both bodily injury liability and property damage liability. This coverage provides money—up to your policy limit—for the other driver, passengers, or pedestrians in the event you are at fault in an accident.
Several states also will require the following coverages:
Though you’ll legally be able to drive, minimum coverage usually isn’t enough. Sure, if you are driving a beat-up 1968 Porche 912 you found at the salvage yard, you probably won’t add any additional coverage. However, if your Porsche has real value, you will want to keep comprehensive and collision coverage
Any time you finance a car, the banks require “full coverage”, meaning the policy must include both comprehensive and collision insurance. This way, if your vehicle is damaged from a collision, weather, theft, vandalism, or any other perils, you can repair it after paying the agreed-upon deductible
Some banks also require gap insurance to cover the difference between your car’s value and the loan balance. 

Porsche car insurance rates by model

One of the biggest price factors determining Porsche car insurance rates is the model you drive. Unlike mainstream cars, size is not indicative of the insurance rate for Porsches.  
While the Macan is the smallest Porsche SUV, the 718 Boxer is much smaller, much faster, and much more expensive—so it may have higher insurance rates too. 

How much does Porsche Macan insurance cost?

The Porsche Macan is the most budget-friendly member of the Porsche family. This small crossover SUV has the lowest price tag starting at $54,9000, and is one of the less expensive Porsches to insure. However, with higher trims and more luxurious the add-ons, insurance costs will go up.
The table below shows how average premiums for Macan drivers differ based on coverage options and vehicle age:
CarFull CoverageMinimum Coverage
2018 Porsche Macan$2,940$2,142
For more information, check out our in-depth guide to Porsche Macan car insurance cost.

How much does Porsche Cayenne insurance cost?

Debuting in 2002, the Porsche Cayenne was the original Porsche SUV and the first 5-seater in their line-up. The Cayenne boasts two body types, seven different trims, and five different engine options—from turbo to hybrid. 
The only thing below average about this car is where it ranks in insurance cost among other Porsches; it’s the second cheapest Porsche to insure
Depending on the trim level and coverages, you might pay something different than other Cayenne drivers. Look at this table to compare full and minimum coverage rates for different Cayenne model years: 
CarFull CoverageMinimum Coverage
2018 Porsche Cayenne$2,940$2,142
For more information, check out our in-depth guide to Porsche Cayenne car insurance costs!

How much does Porsche 718 Cayman insurance cost?

The Porsche 718 Cayman is known as the “beginner” or entry-level sports car. Until recently, it was the most affordable Porsche. The small coupe has six trim levels and three engine options, and it is one of the only sports cars with a 4-cylinder engine. 
Here’s the breakdown of average annual premiums for 718 Cayman owners:
CarFull CoverageMinimum Coverage
2018 Porsche Cayman$2,940$2,142
For more information, check out our in-depth guide to Porsche Cayman insurance costs.

How much does Porsche Panamera insurance cost?

Porsche Panamera is the car for someone who feels sporty but also needs a little more room than what a sports car has to offer. It comes in three body types: a sedan, a long-wheelbase sedan, and a wagon. 
The Panamera is on the higher end of Porsches line-up with a car insurance rate that matches. The limited production, quality materials, and advanced tech are why this car is on so many Porsche lovers' dream list, but it also makes it harder to find parts and much more expensive to repair when damaged.
Here’s the breakdown of average annual premiums for Panamera owners:
CarFull CoverageMinimum Coverage
2018 Porsche Panamera 2$2,940$2,142
For more information, check out our in-depth guide to Porsche Panamera car insurance cost.

How much does Porsche 911 Carrera S insurance cost?

The Porsche 911Carrera S is the classic, quintessential sportscar. This rear-engine sportscar has six trim levels with multiple options. While the 911 has every safety feature imaginable, this type of car has “fast driver” written all over it.
Here’s the breakdown of average annual premiums for 911 Carrera S owners:
CarFull CoverageMinimum Coverage
2018 Porsche 911 Carrera S$2,940$2,142
For more information, check out our in-depth guide to Porsche 911 Carrera S insurance cost.

Compare Porsche car insurance quotes

Factors like zip code, healthcare cost, length of driving history, and the demographics of other drivers in your risk group all influence your car insurance rate in ways you can’t control. That is why getting a handle on factors you can control makes all the difference! 
Downloading the Jerry app takes just 45 seconds and allows you to tailor your coverage to needs and get multiple Porsche car insurance quotes from 55+ insurance providers simultaneously. In addition, you can change coverages around and get updated prices in real-time to find the best rate for you. 
Sure, the Porsche dealership will try to sell you on getting Porsche car insurance straight from Porsche themselves, but just because you paid a premium for your car doesn’t mean you have to overpay on name-brand car insurance too. 
Take a look at the table below—and see how much real Jerry customers are paying for Porsche insurance!
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
September 18, 2022Porsche CayenneFort Myers, FL33907Raymond P.41Progressive$120/mo.$82/mo.
August 17, 2022Porsche MacanArlington, VA22202Barry R.36Progressive$167/mo.$123/mo.
August 9, 2022Porsche Cayenne TurboPaterson, NJ07502Sean B.51Progressive$360/mo.$141/mo.

Best car insurance companies for your Porsche

You can get good coverage for your Porsche from several companies like Travelers, Progressive, and Nationwide, and depending on your state, directly from Porsche. But that doesn’t mean you are getting the best rate. 
While most companies insure the same cars, they each use different algorithms to calculate insurance premiums concerning the risk pool they are geared towards. Meaning a 25-year-old driver might have a high rate with a company that tailors its underwriting towards drivers over the age of 50. 
Getting Porsche quotes from several providers ensures that you are paired with the insurance company that fits your current needs. See how different companies quote for Porsche vehicles in the table below and how much money you can save with Jerry! 

Porsche auto insurance cost by driving record

One of the strongest rating factors you can control is your driving record. Of course, you can’t help if you are a new driver, but you can do your part to drive safely. Just because your 911 can go from 0-60 in 3.0 seconds doesn’t mean it should! 
With high-end cars, even minor violations can hurt your rate. For example, Porsche drivers with major violations like a DUI conviction expect to pay $3,272 more per year for car insurance, while a simple speeding ticket can add an average of $1,786to your annual premium!
See the table below to see how much Porsche drivers with clean driving records save.

Porsche car insurance cost by location

Insurance rates will vary from state to state due to that state's required liability limits, weather conditions, cost of health care, age and population demographics, etc. For example, drivers in downtown L.A. will have higher insurance rates than drivers in Boise. 
Check out the table below to see how your rates measure up to your state’s average. 

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