If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Porsche car insurance is $4,422 or $369 per month. Remember that your specific rates may vary depending on the Porsche model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Porsche is $4,422 per year.
- The Macan is the cheapest Porsche model to insure.
- Advanced safety features that come standard on Porsche models help lower your insurance costs.
Average cost of car insurance for a Porsche, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Porsche car insurance rates by insurance company.
Cost to insure a Porsche, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $3,036 | $1,518 | $253 |
| State Farm | $3,737 | $1,868 | $311 |
| Progressive | $3,995 | $1,998 | $333 |
| Geico | $4,586 | $2,293 | $382 |
| Farmers | $5,193 | $2,596 | $433 |
| Allstate | $5,951 | $2,975 | $496 |
Porsche average insurance rates, by model
Porsche Macan car insurance cost
Car insurance cost for a Porsche Macan is $234 per month or $2,811 a year, based on CarInsurance.com’s rate analysis. Nationwide offers the most affordable car insurance rates for a Porsche Macan at an average monthly cost of $176 or $2,116 yearly.
Porsche Macan GTS car insurance cost
The average monthly car insurance premium for a Porsche Macan GTS is $268 or $3,221 annually. Nationwide is the most affordable company for a Porsche Macan GTS owner, offering insurance at a monthly rate of just $186 or $2,236 per year.
Porsche 718 Boxster car insurance cost
The average car insurance premium for Porsche 718 Boxster is $274 per month, which translates to $3,287 per year. The most affordable company for a Porsche 718 Boxster is Nationwide with a rate of $184 monthly or $2,213 per year.
Porsche Cayenne car insurance cost
The average car insurance premium for Porsche Cayenne is $301 per month, which translates to $3,617 per year. The most affordable company for a Porsche Cayenne is Progressive with a rate of $206 monthly or $2,478 per year.
Porsche Cayenne Coupe car insurance cost
The average car insurance premium for Porsche Cayenne Coupe is $302 per month, which translates to $3,619 per year. The most affordable company for a Porsche Cayenne Coupe is Progressive with a rate of $212 monthly or $2,541 per year.
Porsche 718 Cayman car insurance cost
The average car insurance premium for Porsche 718 Cayman is $303 per month, which translates to $3,635 per year. The most affordable company for a Porsche 718 Cayman is Progressive with a rate of $210 monthly or $2,523 per year.
Insurance rates by car model
The average cost of car insurance for a Porsche, by driver age
Your age is an important rating factor in determining your Porsche car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Porsche by the driver’s age.
Cost to insure a Porsche, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Porsche 718 Boxster | $11,993 | $5,997 | $999 |
| 18 | Porsche 718 Cayman | $13,485 | $6,742 | $1,124 |
| 18 | Porsche 911 | $17,993 | $8,996 | $1,499 |
| 18 | Porsche 911 GT3 | $19,948 | $9,974 | $1,662 |
| 18 | Porsche 911 Turbo | $19,695 | $9,848 | $1,641 |
| 18 | Porsche Cayenne | $13,169 | $6,585 | $1,097 |
| 18 | Porsche Cayenne Coupe | $13,164 | $6,582 | $1,097 |
| 18 | Porsche Cayenne Coupe Turbo | $15,449 | $7,725 | $1,287 |
| 18 | Porsche Cayenne Turbo E-Hybrid | $14,429 | $7,215 | $1,202 |
| 18 | Porsche Macan | $10,556 | $5,278 | $880 |
| 18 | Porsche Macan GTS | $11,909 | $5,954 | $992 |
| 18 | Porsche Panamera | $16,710 | $8,355 | $1,393 |
| 18 | Porsche Taycan | $18,960 | $9,480 | $1,580 |
| 18 | Porsche Taycan Cross Turismo | $18,595 | $9,298 | $1,550 |
Cost to insure a Porsche, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Porsche 718 Boxster | $3,287 | $1,643 | $274 |
| 40 | Porsche 718 Cayman | $3,635 | $1,818 | $303 |
| 40 | Porsche 911 | $4,859 | $2,429 | $405 |
| 40 | Porsche 911 GT3 | $5,270 | $2,635 | $439 |
| 40 | Porsche 911 Turbo | $5,373 | $2,687 | $448 |
| 40 | Porsche Cayenne | $3,617 | $1,808 | $301 |
| 40 | Porsche Cayenne Coupe | $3,619 | $1,809 | $302 |
| 40 | Porsche Cayenne Coupe Turbo | $4,284 | $2,142 | $357 |
| 40 | Porsche Cayenne Turbo E-Hybrid | $4,074 | $2,037 | $339 |
| 40 | Porsche Macan | $2,811 | $1,405 | $234 |
| 40 | Porsche Macan GTS | $3,221 | $1,610 | $268 |
| 40 | Porsche Panamera | $4,586 | $2,293 | $382 |
| 40 | Porsche Taycan | $5,073 | $2,537 | $423 |
| 40 | Porsche Taycan Cross Turismo | $4,981 | $2,490 | $415 |
Porsche car insurance rates by state
Your location significantly impacts your Porsche car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Porsche car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,422 | $1,711 | $285 |
| Alabama | $4,009 | $2,004 | $334 |
| Arkansas | $5,127 | $2,564 | $427 |
| Arizona | $3,804 | $1,902 | $317 |
| California | $5,333 | $2,666 | $444 |
| Colorado | $5,475 | $2,738 | $456 |
| Connecticut | $4,495 | $2,247 | $375 |
| Washington, D.C. | $5,407 | $2,704 | $451 |
| Delaware | $4,334 | $2,167 | $361 |
| Florida | $4,104 | $2,052 | $342 |
| Georgia | $4,822 | $2,411 | $402 |
| Hawaii | $2,535 | $1,267 | $211 |
| Iowa | $4,296 | $2,148 | $358 |
| Idaho | $2,905 | $1,452 | $242 |
| Illinois | $4,065 | $2,032 | $339 |
| Indiana | $3,933 | $1,967 | $328 |
| Kansas | $5,000 | $2,500 | $417 |
| Kentucky | $5,850 | $2,925 | $487 |
| Louisiana | $7,416 | $3,708 | $618 |
| Massachusetts | $4,455 | $2,228 | $371 |
| Maryland | $4,182 | $2,091 | $349 |
| Maine | $3,272 | $1,636 | $273 |
| Michigan | $5,556 | $2,778 | $463 |
| Minnesota | $5,150 | $2,575 | $429 |
| Missouri | $5,637 | $2,819 | $470 |
| Mississippi | $5,375 | $2,688 | $448 |
| Montana | $5,316 | $2,658 | $443 |
| North Carolina | $3,592 | $1,796 | $299 |
| North Dakota | $4,330 | $2,165 | $361 |
| Nebraska | $5,040 | $2,520 | $420 |
| New Hampshire | $3,616 | $1,808 | $301 |
| New Jersey | $3,738 | $1,869 | $311 |
| New Mexico | $4,416 | $2,208 | $368 |
| Nevada | $3,632 | $1,816 | $303 |
| New York | $3,384 | $1,692 | $282 |
| Ohio | $3,062 | $1,531 | $255 |
| Oklahoma | $4,696 | $2,348 | $391 |
| Oregon | $3,872 | $1,936 | $323 |
| Pennsylvania | $4,493 | $2,246 | $374 |
| Rhode Island | $5,299 | $2,650 | $442 |
| South Carolina | $3,988 | $1,994 | $332 |
| South Dakota | $6,143 | $3,071 | $512 |
| Tennessee | $5,092 | $2,546 | $424 |
| Texas | $5,676 | $2,838 | $473 |
| Utah | $3,268 | $1,634 | $272 |
| Virginia | $2,951 | $1,475 | $246 |
| Vermont | $3,652 | $1,826 | $304 |
| Washington | $3,253 | $1,626 | $271 |
| Wisconsin | $3,584 | $1,792 | $299 |
| West Virginia | $4,161 | $2,081 | $347 |
| Wyoming | $5,051 | $2,525 | $421 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Porsche car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Porsche models to insure
Opting for smaller, less costly Porsche models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Porsche models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Porsche
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Porsche discounts on car insurance
One way to save money on your Porsche insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Porsche auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Porsche insurance? It will depend on which model you choose. Porsche builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Porsche
Porsche AG, a renowned German automobile manufacturer, is globally recognized for its high-performance sports cars, SUVs and sedans. Founded by Ferdinand Porsche in 1931, the brand encapsulates a legacy of innovation and design excellence. Porsche’s vehicles are noted for their superior engineering, unparalleled performance and iconic design, contributing to the brand’s reputation for luxury and quality. This combination of qualities has enabled Porsche to remain a top-tier brand in the global luxury automotive sector throughout its extensive history.
Final thoughts on Porsche insurance costs
Porsche makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
No matter which Porsche model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Porsche?
Your driving history is one of the many factors affecting your Porsche car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Porsche affect the insurance premium?
The color of your Porsche does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Porsche affect insurance costs?
Your Porsche’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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