Porsche 911 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Porsche 911 is more expensive to insure than the average car.
• Full coverage auto insurance for a 911 averages about $227 monthly, on average, while liability only insurance normally comes in at around $59 per month.
• Workmens is the lowest car insurance company for a 911 with a national average of just $35 a month for liability only coverage.

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911 Overview

With base prices starting at $114,000 for 2022 models, the Porsche 911 is a high-end vehicle that is more expensive than your average car. You'll have your choice of six different trim levels, so there's an option for every driver.

After analyzing thousands of insurance quotes through Compare.com, we've determined that average Porsche 911 auto insurance rates run about $270 monthly. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Porsche 911?

If you look at the table above, you'll find that when you compare the Porsche 911 to other vehicles, insurance premiums are above average. On average, 911 drivers can expect to pay around $59 per month for liability insurance, and about $227 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Porsche models, the 911 is more expensive, with prices around 11% higher than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, car insurance for a 911 runs close to average, with liability insurance rates $24 cheaper than other cars and full coverage insurance prices coming in $50 higher.

When compared to all vehicles of any body type, the 911 is cheaper for liability only insurance, but full coverage premiums are more expensive on average.

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Who has the Cheapest Car Insurance for a Porsche 911?

If you're searching for a new auto insurance policy for your Porsche 911, you might be wondering which carrier offers the cheapest prices. Although rates can shift considerably depending on your driver profile, MetroMile has the cheapest average rates for liability only coverage, with rates as little as $25 per month. With car insurance sometimes as little as $35 monthly, Workmens is the next most affordable car insurance company.

AnswerFinancial, PlymouthRockNJ, and Commonwealth Casualty finish off the rest of the top 5. 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.

Auto insurance carriers take a range of different factors into consideration when calculating monthly prices. By reviewing quotes from a bunch of auto insurance companies at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Porsche 911?

As we mentioned above, there are quite a few things that insurance carriers reference to calculate how much they charge for auto insurance -- and each carrier weighs certain factors more than others, so there's not a single company that's the most affordable for everyone.

Keep reading to learn which variables car insurance companies look at and how they affect your final rate:

Vehicle Age

The Porsche 911 has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

Based on the above table, the Porsche 911 follows this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are 911s that are 4 to 5 years old.

Your Age

Age plays a significant role in how much you pay for auto insurance. In the table above, you'll see that younger drivers pay more for insurance than drivers who have more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 45-54 making up the cheapest age group for the 911.

Your Gender

You may not know, but car insurance is generally cheaper for women than it is for men. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. Surprisingly, when it comes to 911 drivers specifically, men pay about $9 less than women every month for auto insurance.

Where You Live

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can have just as much as an impact? Because insurance is regulated on the state level rather than nationally, prices can fluctuate quite a bit from state to state.

For example, the average Porsche 911 driver in New York pays around $96 a month for liability coverage. Meanwhile, on average, the same owner from California will pay $43 less than that price. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Porsche 911 Car Insurance Discounts

Regardless of how old you are, what state you call home, or what vehicle you drive, using as many discounts as possible when it comes to your car insurance policy is always a smart move.

While no two insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for adding more than one car to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier

However, discounts aren't the only way to save. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Even though you can't control every factor auto insurance carriers consider to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the factors you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely noticed ads from car insurance companies promoting large discounts for responsible drivers. It should be no surprise that if you get into a collision or get a ticket for speeding, auto insurance premiums will increase. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost 911 drivers more than tickets, but both will result in higher than average rates. Porsche 911 drivers with a single accident on their record pay an average of $77 each month (up $18 from the $59/mo. overall average), while drivers with one ticket will pay about $73 per month. Those with multiple violations of either kind will end up paying even more.

How Much You Drive

The total distance you drive each year impacts your insurance rates. Those who drive less are more likely to go accident-free, so they'll usually be offered lower prices. Based on the table above, you can see that Porsche 911 owners who drive between 7,500 and 10,000 miles pay $75 for auto insurance, while those who drive between 5,000 and 7,500 miles per year pay about $51 monthly.

But if you drive a limited amount, it may be worth considering usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Porsche 911s Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Porsche 911 is on your shortlist, it can pay off to do your homework. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Review the table below to see how the Porsche 911 stacks up:

Overall, the Porsche 911 is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $46,192, the 911 comes in above that at $114,000.

Liability insurance for a Porsche 911 is, while full coverage is more than $50 cheaper per month.

However, it is worth noting that the 911 owners tend to drive their cars less than the average American driver, with only 6,871 annual miles for the average owner.

Porsche 911 Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's insurance rates. If you're considering buying a new vehicle and the 911 is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your choices.

Choose Your Model

2021 Porsche 911 Car Insurance 2020 Porsche 911 Car Insurance 2019 Porsche 911 Car Insurance 2018 Porsche 911 Car Insurance 2017 Porsche 911 Car Insurance 2016 Porsche 911 Car Insurance 2015 Porsche 911 Car Insurance 2014 Porsche 911 Car Insurance 2013 Porsche 911 Car Insurance 2012 Porsche 911 Car Insurance 2011 Porsche 911 Car Insurance 2010 Porsche 911 Car Insurance

2021 Porsche 911 Car Insurance

2021 Porsche 911 drivers can expect to pay an average of $29 a month for liability or $155 for full coverage.

MetroMile offered the cheapest policy we found, with rates as little as just $25 monthly.

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

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2020 Porsche 911 Car Insurance

It costs about $56 a month for liability or $264 for a full coverage policy for the 2020 911.

Looking for the lowest policy? SafeAuto offered liability only coverage for as low as $20 per month.

What will your insurance price be? Get lots of free personalized quotes by just entering your ZIP code below.

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2019 Porsche 911 Car Insurance

You can expect full coverage for a 2019 Porsche 911 to run around $402 monthly, while liability only coverage will average about $34 a month.

With prices as cheap as $34 monthly, DirectGeneral offered the cheapest policy we found for the 2019 Porsche 911.

If you want to know exactly how much you can expect to pay for your 911, get free quotes in minutes by just entering your ZIP code below.

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2018 Porsche 911 Car Insurance

The average cost to insure a 2018 911 with liability only coverage is $73 per month, while full coverage runs around $496 a month.

If you're looking for the lowest possible 2018 Porsche 911 insurance policy, SafeAuto offered the most affordable policy we found, with rates as low as just $23 per month.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get several free customized quotes.

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2017 Porsche 911 Car Insurance

On average, drivers who own a 2017 Porsche 911 can expect to pay $74 to $311 monthly for liability only and full coverage car insurance, respectively.

With rates sometimes as low as $20 per month, Workmens offered the cheapest policy we found.

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

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2016 Porsche 911 Car Insurance

You can expect full coverage for a 2016 911 to run about $368 monthly, while liability only coverage will average around $72 a month.

MetroMile has prices sometimes as cheap as $19 per month for the 2016 Porsche 911.

If you want to know exactly how much you can expect to pay for your 911, just enter your ZIP code below and get several free quotes in minutes.

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2015 Porsche 911 Car Insurance

2015 Porsche 911 drivers can expect to pay an average of $48 a month for liability or $282 for full coverage.

We found Mapfre offered the most affordable policy, with rates as cheap as just $19 monthly.

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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2014 Porsche 911 Car Insurance

On average, drivers who own a 2014 911 can expect to pay $82 to $268 a month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? MetLife offered liability only coverage for as low as just $17 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get a variety of free personalized quotes.

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2013 Porsche 911 Car Insurance

The average cost to insure a 2013 Porsche 911 with liability only coverage is $80 monthly, while full coverage runs about $288 a month.

If you're looking for the most affordable 2013 Porsche 911 insurance policy, MetLife offered the cheapest policy we found, with rates as cheap as $21 monthly.

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

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2012 Porsche 911 Car Insurance

It costs around $86 per month for liability or $270 for a full coverage policy for the 2012 911.

We found Elephant offered the lowest policy, with rates as little as $12 a month.

If you want to find the best premiums for insurance for a 2012 Porsche 911, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Porsche 911 Car Insurance

You can expect full coverage for a 2011 Porsche 911 to run about $297 monthly, while liability only coverage will average around $42 per month.

SafeAuto has rates sometimes as low as $23 a month for the 2011 Porsche 911.

While these are good estimates of what the average driver might pay to insure a 2011 Porsche 911, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2010 Porsche 911 Car Insurance

The average cost to insure a 2010 911 with liability only coverage is $76 per month, while full coverage runs about $254 monthly.

With premiums as low as $20 a month, StateAuto offered the most affordable policy we found.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple personalized quotes for free.

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Porsche 911 Insurance FAQs

Is a Porsche 911 expensive to insure?

Compared to the national average of all vehicles, rates come in on the more expensive end of the spectrum. Liability insurance runs an average of $59 per month, while full coverage will cost you around $227.

How can I get the best price on car insurance for my Porsche 911?

There's only one way to be sure you're getting the lowest rates -- checking prices regularly and comparing quotes from a whole range of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Porsche 911 affect my insurance prices?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually not the case. There are lots of things car insurance carriers use when they decide your auto insurance price, but your car's color is not on that list.

Do I need to have insurance before I buy a Porsche 911?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Porsche 911?

There are a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Porsche 911 you drive, but if your 911 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their list of discounts, since they vary quite a bit from company to company.