Porsche Boxter Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Porsche Boxter costs about the same as insuring the average car.
• Liability only auto insurance premiums for a Boxter average around $63 a month, while full coverage typically comes in at about $179 monthly.
• The cheapest insurance company for a Boxter is Esurance.

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Boxter Overview

With 2021 models starting at $62,000, the Porsche Boxter is on the more expensive end of the spectrum. With four different trim levels currently offered, you'll drive off the dealership lot in style.

We combed through thousands of car insurance quotes on Compare.com, and we've found that Porsche Boxter auto insurance rates run around $197 a month, on average. How do insurance prices for the Boxter compare to rates of other similar cars?

How Much is Car Insurance for a Porsche Boxter?

If you look at the table above, you'll see that compared to other vehicles, Porsche Boxter insurance premiums are right about average. Boxter owners generally pay around $63 per month for liability insurance, and about $179 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other Porsche models, the Boxter is cheaper, with prices around 12% lower than the rest of the manufacturer's vehicle lineup. However, compared to other vehicles of a similar body style, Boxter coverage runs close to average, with full coverage insurance rates coming in at $2 higher than other cars and liability insurance prices at $20 cheaper.

The same can be said, that the Boxter's car insurance premiums run about average, when comparing the Porsche Boxter to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Porsche Boxter?

If you're browsing for a car insurance policy for a Porsche Boxter, you're probably wondering which carrier offers the cheapest rates. While there will never be one company that offers the most affordable rates for everyone, MetroMile has the lowest average rates for liability only coverage, with rates as cheap as just $23 per month. The next most affordable carrier is DirectGeneral, who offers insurance as little as $27 a month.

Acceptance, SafeAuto, and Mercury round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Insurance carriers take a lot of different factors into consideration when calculating monthly prices. By analyzing quotes from an array of car insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Porsche Boxter?

As we mentioned above, there are a wide array of variables that auto insurance carriers consider to choose how much they charge for a policy -- and each company weighs certain factors more than others, so there's not just one carrier that's the cheapest for everyone.

The following sections show a range of things car insurance companies use to determine rates:

Vehicle Age

The Porsche Boxter has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually get lower.

Based on the above table, the Porsche Boxter is inline with this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are Boxters that are 1 year old or less, on average.

Your Age

Age plays a role in how much auto insurance carriers will charge you. Based on the information above, the youngest drivers pay more compared to drivers who have more experience on the road. In this case, drivers under 18 pay over five times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Boxter drivers.

Your Gender

Did you know men usually pay more for insurance than women? This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. When it comes to Boxter drivers specifically, women pay around $1 less than men monthly for auto insurance.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live can be just as important. Since insurance is regulated on a state-by-state basis, premiums vary quite a bit from state to state.

For example, the average Porsche Boxter driver in New York pays about $100 a month for liability coverage, while on average, the same owner in California will pay less than half of that price. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Porsche Boxter Car Insurance Discounts

Regardless of your home state, your age, or your car, it's always a good idea to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than in monthly installments

But these aren't the only discounts car insurance carriers offer to their customers.

Even though you don't have control over every factor insurance companies reference to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

You've no doubt observed ads from auto insurance carriers offering big discounts for responsible drivers. And you're probably not surprised to hear that if you get into an accident or get a ticket for speeding, car insurance premiums will get higher. But you still might be left wondering exactly how much these infractions will cost you.

Looking at the table above, you'll see that accidents will usually cost Boxter drivers less than tickets, but both will result in a raise in rates. Porsche Boxter drivers with a single ticket will pay about $84 per month, while drivers with one accident on their record pay an average of $70 each month (up $7 from the $63/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable that affects your insurance prices is how much you drive. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally end up paying less for auto insurance. In the above table, you can see that Porsche Boxter owners who drive fewer than 2,500 miles a year pay an average of $66 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $89.

But if you don't drive much because have a second vehicle or you work from home, it may be worth considering usage-based or pay-per-mile auto insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Porsche Boxters Compare to Other Vehicles?

If you're thinking about making a Porsche Boxter your next vehicle, it can pay off to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Porsche Boxter compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Porsche Boxter is more expensive than average. The Boxter goes for $62,000, a bit more expensive than the national average vehicle MSRP of $46,296.

Liability insurance for a Porsche Boxter is, while full coverage is $4 more a month.

However, it is worth noting that the Boxter drivers tend to use their cars less than the average American driver, with only 8,426 annual miles for the average owner.

Porsche Boxter Car Insurance Costs by Model Year

We've walked through many of the things that can have an impact on how much the average driver pays for insurance. If you're considering buying a new Boxter, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your choices.

Choose Your Model

2020 Porsche Boxter Car Insurance 2019 Porsche Boxter Car Insurance 2018 Porsche Boxter Car Insurance 2017 Porsche Boxter Car Insurance 2016 Porsche Boxter Car Insurance 2015 Porsche Boxter Car Insurance 2014 Porsche Boxter Car Insurance 2013 Porsche Boxter Car Insurance 2012 Porsche Boxter Car Insurance 2011 Porsche Boxter Car Insurance 2010 Porsche Boxter Car Insurance

2020 Porsche Boxter Car Insurance

The average cost to insure a 2020 Porsche Boxter with liability only coverage is $27 monthly, while full coverage runs around $194 per month.

DirectGeneral offered the cheapest policy we found, with rates sometimes as low as $27 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2019 Porsche Boxter Car Insurance

It costs about $54 monthly for liability or $186 for a full coverage policy for the 2019 Boxter.

Apparent has prices sometimes as cheap as $50 per month for the 2019 Porsche Boxter.

If you want to find the best rates for car insurance for a 2019 Porsche Boxter, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Porsche Boxter Car Insurance

You can expect full coverage for a 2018 Porsche Boxter to run around $192 monthly, while liability only coverage will average about $47 per month.

With premiums sometimes as little as $37 a month, Acceptance offered the lowest policy we found.

Want to find the cheapest rates? Just enter your ZIP code below to get lots of customized quotes for free.

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2017 Porsche Boxter Car Insurance

2017 Boxter drivers can expect to pay an average of $138 per month for liability or $316 for full coverage.

With prices as low as just $23 monthly, MetroMile offered the most affordable policy we found for the 2017 Porsche Boxter.

If you're looking for a more exact figure on what you should pay for insurance for a 2017 Porsche Boxter, you can get free quotes in minutes by just entering your ZIP code below.

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2016 Porsche Boxter Car Insurance

On average, drivers who own a 2016 Porsche Boxter can expect to pay $85 to $169 a month for liability only and full coverage car insurance, respectively.

If you're looking for the most affordable 2016 Porsche Boxter insurance policy, DirectGeneral offered the lowest policy we found, with rates as low as $28 monthly.

Want to figure out exactly what you'll be asked to pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2015 Porsche Boxter Car Insurance

2015 Boxter drivers can expect to pay an average of $42 a month for liability or $154 for full coverage.

We found Mercury offered the cheapest policy, with rates as little as just $26 per month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2014 Porsche Boxter Car Insurance

The average cost to insure a 2014 Porsche Boxter with liability only coverage is $75 monthly, while full coverage runs around $215 per month.

Looking for the most affordable policy? SafeAuto offered liability only coverage for as cheap as $25 a month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple personalized quotes for free.

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2013 Porsche Boxter Car Insurance

On average, drivers who own a 2013 Boxter can expect to pay $48 to $270 per month for liability only and full coverage auto insurance, respectively.

With premiums sometimes as low as $29 monthly, Mercury offered the lowest policy we found for the 2013 Porsche Boxter.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2012 Porsche Boxter Car Insurance

It costs about $37 a month for liability or $163 for a full coverage policy for the 2012 Porsche Boxter.

If you're looking for the cheapest possible 2012 Porsche Boxter insurance policy, Safeco offered the cheapest policy we found, with rates sometimes as little as $31 per month.

If you want to know exactly how much you can expect to pay for your Boxter, just enter your ZIP code below and get several free quotes in minutes.

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2011 Porsche Boxter Car Insurance

You can expect full coverage for a 2011 Boxter to run around $151 monthly, while liability only coverage will average about $36 a month.

With rates as little as $31 per month, MetLife offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Porsche Boxter Car Insurance

The average cost to insure a 2010 Porsche Boxter with liability only coverage is $47 a month, while full coverage runs around $217 monthly.

Mercury has premiums as low as just $22 a month for the 2010 Porsche Boxter.

While these are good estimates of what the average driver might pay to insure a 2010 Porsche Boxter, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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Porsche Boxter Insurance FAQs

Is a Porsche Boxter expensive to insure?

When compared to the national average of all vehicles, the cost of insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $63 per month, while full coverage will cost you around $179.

How can I get the best price on car insurance for my Porsche Boxter?

There's only one way to guarantee you're getting the most affordable rates -- checking prices regularly and comparing quotes from multiple companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Porsche Boxter affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure, but that's actually not the case. There are several variables auto insurance companies use when they decide how much your policy will be, but your Porsche Boxter's color is not factored into that equation.

Do I need to have insurance before I buy a Porsche Boxter?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Porsche Boxter?

You will find a multitude of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Boxter you drive, but if your Boxter has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about their list of discounts, since they shift quite a bit from company to company.