How much does Porsche 911 insurance cost?

Porsche cars have a higher price tag for both the vehicle and the insurance to cover it. The Porsche 911 is a powerful sports car that needs solid insurance to keep it safe. Many factors can affect the price of your insurance, but there are lots of ways you can keep costs down. From discounts to keeping your driving record clean, everything you do adds up to a more affordable price for your Turbo S 911 insurance.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 24, 2021

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The Rundown

  • The Porsche 911 is a luxury sports car that starts at $100,000 and has a reputation for solid handling
  • As with all luxury cars, insurance for the Porsche 911 is higher than standard car insurance
  • You can keep the price of your insurance down by maintaining a clean record and taking advantage of discounts

Who doesn’t love the sleek curves and powerful engine of a Porsche 911? Porsche cars are often listed on people’s dream car lists.

With the flashy automobile comes a more expensive monthly insurance bill. The Porsche 911 is a luxury car which means that car insurance will cost more than that of a standard vehicle.

If you have a Porsche 911 or are thinking of buying one, it’s essential that you shop around for insurance rates. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.

What factors affect Porsche 911 insurance?

While the Porsche 911 and the Porsche 911 Turbo S are beautiful vehicles, insurance for these cars is treated the same as for any other car. A car insurance company examines the same factors for a Porsche Turbo S 911 as they do for a Honda Accord.

These factors include the following:

  • Your gender –  Men are more likely to be injured and die in car accidents because they drive more miles on average than women and engage in riskier driving behaviors.
  • Your age – One of the most significant factors in the price of your insurance is your age. Young, inexperienced drivers are more likely to get into an accident and engage in risky behaviors, and senior citizens are more likely to file a claim.
  • Your location – You can’t control this factor, but insurance companies have detailed information on how many claims are filed in each zip code. The more claims made in your zip code, the higher your price.
  • Your driving record – The cleaner your record, the lower your prices will be. Violations like speeding tickets or DUIs will raise your rates.
  • Your vehicle – Again, insurance companies maintain data on claims for each type of car, right down to its color.
  • Your credit score – Life insurance companies look at your credit score as an indication of your likelihood to pay your bills.

A Porsche Turbo 911 automatically puts you in a higher bracket for insurance rates because your car is much more expensive than the average vehicle.

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How much does Porsche 911 insurance cost?

The price of your insurance will depend on the company you choose. While the factors listed above will form the basis of your fees, various companies treat insurance rates differently.

For the basic Porsche 911, below you can compare insurance prices by year.

Porsche 911 by yearAverage monthly rate
2021 Porsche 911$208
2020 Porsche 911$202
2019 Porsche 911$197
2018 Porsche 911$183
2017 Porsche 911$178
2016 Porsche 911$168
2015 Porsche 911$142
2014 Porsche 911$148
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The Porsche 911 is an expensive car, but it’s not the most costly Porsche on the market. If insurance prices are a deciding factor for you, you can compare the cost of other models.

TypeAverage monthly cost
Carrera 4 AWD$170
Carrera Coupe $170
Targa 4 Coupe $177
Carrera Convertible $178
Targa 4 S Coupe $185
Carrera S Coupe$186
Carrera S Convertible$193
GT3 Coupe$208
Turbo Convertible$223
Turbo Coupe$227
GT3 R3 Coupe$248
Turbo S Coupe$249
Turbo S Exclusive Convertible$304
GT2 RS Coupe$322
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As you can see, Porsche insurance can be expensive. Luckily, there are steps you can take to save money so you can enjoy your Porsche 911 all the more.

The most significant factor that decides the cost of your insurance is the company from which you choose to purchase.

CompanyAnnual cost of insurance
State Farm$2,713
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As you can see, State Farm has some of the most expensive insurance for Porsche 911s, while Nationwide provides some of the most affordable policies.

How to Save Money on Porsche 911 Insurance

There are many factors that affect your insurance rates, but there are steps you can take to lower costs.

For example, teens will pay very high rates for their own Porsche 911 policy. A 16-year-old driver will pay approximately $689.67 a month for insurance on a Porsche. You can help your teen save money by adding them to your policy.

You can also raise your deductible to lower your monthly bill. However, this means that if you get in a car accident, you’ll have to pay more before insurance kicks in. Depending on your company, you might be eligible for an occupational discount.

You may also be qualified for additional discounts. Every company has its own, but here are some of the most common savings for which you might qualify:

  • Low mileage – The less you drive, the more you save on insurance.
  • Defensive driver course – Some companies will give you a discount if you complete a defensive driving course from an approved list.
  • Safe driver – As long as you keep your record incident-free, you’ll be eligible for this discount.
  • Good student – If you’re under the age of 25 and maintain a “B” average, you can get this discount.
  • Policy bundling – Some companies sell more than car insurance. If you buy multiple policies, you might be eligible for savings.
  • Multi-car – Earn this discount by including more than one car on your policy.
  • Paid in full – If you pay for the entirety of your insurance bill, you might receive a discount.
  • New car – Most insurance providers will give you a discount if your car is less than three years old, though the age depends on the company.
  • Anti-theft devices – Anti-theft devices include audible alarms, GPS tracking systems, and kill switches.

Speak with your agent if you have questions about insurance discounts.

However, the best way to save money on your insurance is to keep your driving record clean. Multiple accidents can add up to $3,400 to the annual cost of your insurance. Follow the rules of the road, and your insurance rates will remain lower.

What is the Porsche 911?

Porsche has been creating luxury cars since 1931, and the Porsche 911 is one of the latest. The first 911 model came out in 1963, and it’s been selling well ever since.

The Turbo S Porsche 911 price starts at $101,000 and goes up to $219,000, depending on the model. It’s one of the company’s best sports cars with a strong engine, smooth handling, and a beautiful interior. Porsche 911 is a great choice for the casual driver and the driver that wants a performance race car.

If you’re looking for a luxury sports car that is as fun to drive on a day trip as it is to take to the grocery store, you owe it to yourself to look at the Porsche 911.

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Find the Best Porsche 911 Insurance

When you’ve purchased a Porsche 911, you’ll depend on your insurance to keep your car safe in various situations. The Porsche 911 is a beautiful car, and affordable car insurance can keep it looking great for years to come.

When you’re in the market for Porsche 911 insurance, shopping around is the best way for you to find affordable rates. Enter your ZIP code into our free tool today when you’re ready to see what quotes might look like for you.

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