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Porsche Insurance Rates

What to expect when insuring a Porsche

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Average insurance cost for a Porsche

The average insurance cost of a Porsche across all models is $187.35 a month, or $2248.20 a year. You might be surprised at how affordable these luxury cars are to insure, with an average starting cost around $65,000 and a cost-to-base car price ratio of 2%.

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How a vehicle from Porsche affects insurance costs

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

A Porsche’s high price tag equates to higher insurance premiums. And because owners will want to protect their investment, most will opt for more than just minimum coverage. However, the car’s good safety ratings and low theft rates help to temper insurance cost a bit.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Porsche car insurance rates by model

Model Monthly insurance rate Base car price
911 $105.00 $89,400
Boxster $105.00 $52,100
Cayenne $115.00 $59,600
Cayman $108.00 $53,900
Macan $220.00 $47,500
Panamera $105.00 $85,000

Are there any standout models?

The Porsche 911 has been in production since 1963. The modern 911’s top of the line GT2 RS references the classic 911 while bringing it into the future.

Features include a 96.5 inch wheelbase, a top track speed of 211 mph and independent exhaust system with titanium rear silencers. The GT2 RS’s 3.8-liter six-cylinder twin-turbo engine produces 700 hp and 553 lb-ft of torque, while the 7-speed PorscheDoppelkupplung provides dynamic gear changes.

Prices start at $293,200.

Pros and cons of insuring a Porsche

Pros

  • Good safety ratings
  • Low theft rates

Cons

  • Costly to repair or replace

About the Porsche brand

Ferdinand Porsche founded his eponymous company in 1931 in Stuttgart, Germany. Although not originally an auto manufacturer, Porsche designed the original Volkswagen Beetle.

During the 1940s, Porsche began hand-building its first car, the 356. The 356 was well-received by sports car enthusiasts. Building on their momentum, Porsche went on to develop many more successful models, including the iconic 911. Today, Porsche continues to produce high-performance sports cars sought after around the world.

Porsche car facts

  • Porsche AG was founded in 1931 and is known for manufacturing high performance German cars.
  • Porsche cars have won more than 24,000 races across the world.
  • Ferdinand Porsche, the founder of the company, created the first hybrid electric car in 1899. The car used an internal combustion motor as a generator.

What’s Porsche Connect?

Porsche Connect is Porsche’s suite of intelligent services. You can use these services directly through your car or with your smartphone. Features include navigation, news, weather, emergency services and more. From your smartphone you can lock and unlock your car, find the location of your vehicle and control your Porsche’s climate.

Choose from several packages. Prices start at $115 per year.

What’s the Porsche Driving Experience?

Since 1999, Porsche has offered unique driving and racing experiences for Porsche enthusiasts with several driving facilities across the US. This is a unique opportunity for drivers to test out a Porsche they’re thinking of buying, learn how to race or just have some fun driving around in a sporty car.

  • Porsche Sport Driving School – Enroll in the racing curriculum and even earn your racing license from a team of professional driving instructors at this race track in Birmingham, Alabama.
  • Porsche Experience Center – Atlanta and Los Angeles race tracks offer driving experiences and driver training courses to explore the capabilities of different Porsche models.
  • Porsche Driving Tours – Tour packages include driving time in a Porsche and also hotel, tours and activity planning. Current road options include the California coast and Route 66, and prices start at around $9,000 for a five-day tour.

Bottom line

Porsches aren’t cheap, and neither is the insurance to cover one, so be sure to shop around to find the best car insurance for you.

Companies that provide coverage for Porsche

Most, if not all, of the big-name providers will insure your Porsche. Shop around for the best deal.

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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