Is it expensive to insure a Porsche 911?

Yes, it's expensive to insure a Porsche 911 — at an average of $446 per month, or $5,354 per year, full coverage for the 911 costs around 100 percent more than the national average. Keep in mind that rates can vary significantly based on the trim and configuration you purchase, as well as your location, personal risk profile and the insurance coverage you select.

Is insurance on a Porsche high?

Porsche vehicles have higher insurance rates than the national average due to their high value, performance engineering and import status. While imported cars and luxury vehicles carry higher repair costs, thus driving up the amount needed to insure them, cars built for speed and performance carry a higher risk of accidents compared to vehicles geared toward commuting, errands and the occasional pleasure drive.

How can I save money on Porsche 911 insurance?

Even though the Porsche 911 is expensive to insure, it's still possible to save on your premiums by comparing rates from multiple providers and asking an agent about discounts. You may also want to look for insurers with safe driving programs to demonstrate your ability to avoid violations and accidents and offset the perceived risk associated with performance cars.

Car insurance for Porsche 911

How much does it cost to insure a Porsche 911?

The average cost of car insurance for a Porsche 911 is $446 per month or $5,354 per year. That's well above the national average of $223 per month or $2,671 per year for passenger vehicles.

Why do 911 owners pay such high rates? It comes down to a few factors: high vehicle value, increased driving risk associated with performance vehicles and added costs from imported vehicles and parts. Add in personal rating factors like your age and driving history, which can significantly impact the cost of coverage, and it's typical to see a wide range of insurance premiums for the Porsche 911.

$5,354 Avg annual full coverage
insurance premium

$659 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): From $132,300

Trims available: Carrera, Carerra 4, Carerra T, Targe 4 GTS, GTS, 4GTS, Turbo, Turbo S, Turbo 50 Years, GT3, GT3 RS, S/T

Repair costs

The cost of repairs for a Porsche 911 depends in part on the exact 911 model you own. This car is highly customizable with a wide range of trims, configurations and optional features. Keep in mind that your insurance policy will need to cover the full cost to repair any components you add.

Safety features

Depending on your exact model, the 911 may include some advanced driver safety aids absent from other performance cars, like forward collision mitigation and lane keeping assistance. These features add to your repair costs but may reduce your insurance bill.

Crash ratings

Like many sports cars, the Porsche 911 doesn't have a crash test rating from organizations like the Insurance Institute for Highway Safety, National Highway Traffic Safety Administration or Euro NCAP.

Cheapest car insurance companies for a Porsche 911

Because the Porsche 911 is so expensive to insure and carries such a unique set of risks, comparing personalized rates from multiple providers to find the best fit for your vehicle is important. As a starting point, Bankrate's insurance editorial team analyzed average premium data from Quadrant Information Services to find the carriers with the lowest average rates for this model.

How much does it cost to insure a Porsche 911?

On average, the cheapest car insurance companies for a Porsche 911 include Nationwide, Travelers and Progressive.

2023 Porsche 911 car insurance premium by carrier


Nationwide	$3,092	- $2,262
Travelers	$3,255	- $2,099
Erie	$3,301	- $2,053
Auto-Owners	$3,320	- $2,034
Progressive	$3,599	- $1,755

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Porsche 911

Every driver's insurance needs are unique — and it goes double for a car with as much personality and value as the 911. Ideally, speak with a licensed insurance professional to determine the exact types and levels of coverage to carry on your 911's insurance policy. You may want to consider some of the following options:

Gap insurance or new car replacement: Gap coverage, loan/lease coverage or new/better car replacement — different insurers offer different options to protect your investment when you buy a new car. For a car as valuable as the 911, it's worth looking for the best gap coverage or alternative.
High liability limits: If you own a Porsche, you likely have significant assets that your liability policy needs to protect. Take the potential costs associated with an at-fault accident — from ER bills and short-term care to long-term rehabilitation and home healthcare expenses — into account when weighing your liability limits against your assets.
Uninsured/underinsured motorist coverage: Unfortunately, with more and more uninsured drivers on the road, your insurance policy needs to stand up not just to your own risk but also to the risk other drivers bring to the road. If your area has a high number of uninsured drivers, consider including this coverage on your policy if it's not already mandated by law.

How to get a Porsche 911 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Porsche 911 with other similar cars

Porsche 911 Avg annual full coverage premium $5,354 Read More	Chevrolet Corvette Stingray Avg annual full coverage premium $3,502 See more models	Tesla Model S Avg annual full coverage premium $5,548 Read More
Price (MSRP)
$132,300	$68,300	$99,990
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	Not rated	Not rated
Gas mileage
18-25 mpg	16-25 mpg	99-108 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially worse than average	Substantially worse than average	Substantially worse than average

Frequently asked questions

Yes, it's expensive to insure a Porsche 911 — at an average of $446 per month, or $5,354 per year, full coverage for the 911 costs around 100 percent more than the national average. Keep in mind that rates can vary significantly based on the trim and configuration you purchase, as well as your location, personal risk profile and the insurance coverage you select.
Porsche vehicles have higher insurance rates than the national average due to their high value, performance engineering and import status. While imported cars and luxury vehicles carry higher repair costs, thus driving up the amount needed to insure them, cars built for speed and performance carry a higher risk of accidents compared to vehicles geared toward commuting, errands and the occasional pleasure drive.
Even though the Porsche 911 is expensive to insure, it's still possible to save on your premiums by comparing rates from multiple providers and asking an agent about discounts. You may also want to look for insurers with safe driving programs to demonstrate your ability to avoid violations and accidents and offset the perceived risk associated with performance cars.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.