Porsche Car Insurance Costs for October 2025

Written by R.E. Fulton and 2 others
Updated Oct 14, 2025
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Porsche Car Insurance Costs for October 2025

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Porsche car insurance costs  $397 per month, on average, according to a October 2025 analysis of full coverage auto insurance quotes for Jerry customers.  Embark General offers the cheapest coverage at  $219 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

The cost to insure a Porsche can vary based on many factors. Here’s a look at average car insurance rates by model, budget-friendly insurance providers and strategies to find the best Porsche auto policy.

Average Porsche car insurance costs

The average cost of full coverage Porsche car insurance is  $397 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of  $150 per month.

Porsche insurance costs aren’t one-size-fits-all. They depend on the vehicle’s model, its age and your personal risk profile. Expensive cars usually mean higher premiums, but there are exceptions. To find the best rate, compare multiple car insurance quotes for the Porsche you’re considering.

These full coverage insurance rates from Jerry’s data analysis offer a snapshot of average auto insurance costs for various Porsche models.

Car Model
Avg Monthly Quote
944 $323
Cayman $535
CAYENNE $432
BOXSTER $357
Cayenne $367
PANAMERA $476
CAYMAN $409
Macan $377
Panamera $509
Boxster $306
911 $479
MACAN $388
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Click for average minimum coverage costs, by Porsche model.
Car Model
Avg Monthly Quote
CAYENNE $166
Cayman $74
928 $492
Panamera $166
Boxster $84
Macan $161
911 $134
MACAN $147
Cayenne $163
Boxster $306
911 $479
MACAN $388
Last Updated Oct. 15, 2025

Average cost of Porsche car insurance, by state

Because each state has its own car insurance laws and risk factors — including crime rates, weather events and uninsured drivers — auto insurance costs vary widely across the country.

For example, full coverage Porsche auto insurance in Texas costs an average of  $337 per month. In New Jersey, the monthly average is  $475.

Here’s a look at how full coverage Porsche insurance costs differ by state.

State
Avg Monthly Quote
WA $311
NV $360
KY $262
RI $269
MI $455
LA $759
WI $280
FL $360
VA $220
AZ $333
NY $1,095
NC $240
TX $337
MA $481
MO $302
MD $660
IA $251
DC $284
NJ $475
IL $286
OH $349
GA $450
TN $235
CA $409
CO $377
CT $309
OR $265
PA $262
AL $203
Last Updated Oct. 15, 2025

Factors that affect Porsche car insurance costs

The Porsche model you drive will have an impact on your insurance rates—particularly in the following categories:

  • Safety features: Better safety features mean a lower risk of accidents and injuries—and lower insurance premiums.
  • Vehicle value: Porsches are pricey cars, but you’ll pay more to insure a fully equipped Panamera than you will for a base-trim Boxster.
  • Vehicle class: Rates tend to be lower for SUVs than for sports cars.
  • Engine size: More horsepower means more speed… and potentially more speeding tickets. A car with more power will typically have higher insurance premiums.
  • Availability of replacement parts: Older Porsche models can be trickier to find replacement parts for, which can up the cost of insurance.
  • Cost of repairs: Expensive vehicles and EVs like the new all-electric Taycan cost more to repair and will come with higher car insurance rates.
  • Vehicle cost: It costs more to purchase collision and comprehensive coverage for luxury vehicles, high-performance, and sports cars like Porsches.
  • Vehicle age: Newer vehicles tend to be more expensive to insure since they have more technology and a higher actual cash value.
  • Cost of parts: If parts are hard to come by (or repair costs are high), you can expect higher insurance rates.
  • Your age: Drivers under age 25 pay some of the highest insurance rates. Senior drivers over the age of 70 also tend to see increases in premiums.
  • Your driving record and claims history: Maintaining a clean driving record will jelp you secure the lowest insurance rates, while a history of tickets or accidents will spike your premium—sometimes for years.
  • Where you keep your car: Where you live matters to your insurance company since some areas have higher population density, theft rates, and other factors that make it riskier to insure you.

These factors are important to consider for Porsches, specifically:

  • Imports: All Porsche vehicles are manufactured in Germany and imported to the U.S., which usually means higher repair and replacement costs.
  • Safety: Porsches deliver strong performance in European safety tests, but they aren’t rated by either the NHTSA or the IIHS.
  • Reliability: Porsche isn’t high on the reliability scale, which can mean a higher risk of claims.

Best Porsche car insurance

To find the best car insurance companies, Jerry’s editorial team conducts yearly evaluations using metrics like complaint frequency and a carrier’s financial strength.

Here are our recommended companies for 2025.

Insurance companyBest for:Jerry star rating (out of 5)
GeicoOverall car insurance.5
Auto-OwnersSmall insurance company.4.9
NationwideUsage-based insurance.4.7
AllstateDiscounts.4.7
FarmersCustomizable options.4.6
ProgressiveLoyal policyholders.4.6

While these companies are good for a lot of drivers, only some are available in every state. Additionally, some companies have better service records in certain states. To see the best car insurance companies in your state, click below.

Click for the best car insurance by state.

Cheapest Porsche car insurance

Full coverage

Embark General offers the cheapest full coverage car insurance for Porsche, with an average rate of  $219 per month.

The following companies offer the cheapest car insurance rates for Porsche, according to Jerry’s analysis of full coverage quotes.

Insurance Company
Average full coverage cost
Embark General $194
Bluefire $220
Mercury $233
Progressive $256
ROOT $266
$759
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Porsche, with an average rate of  $58 per month.

Below are the cheapest insurers for Porsche for minimum coverage, according to Jerry’s data analysis.

Insurance Company
Average minimum coverage cost
The General $62
National General $79
Trexis $101
Progressive $130
Safeco $153
$759
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

By state

Your location plays a big role in insurance costs. The most affordable Porsche insurer varies by state. Click below to explore the cheapest choices near you.

Click for the cheapest car insurance by state.

Porsche 911 auto insurance costs

The average car insurance cost for a Porsche 911 is  $473 per month, according to Jerry’s data analysis of full coverage quotes.

Here are 911 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Porsche 911 Carrera $265
Porsche 911 Carrera 2 $278
Porsche 911 Carrera 4 Gts $393
Porsche 911 Carrera 4s $868
Porsche 911 Gt3 $317
Porsche 911 Turbo $328
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

Porsche Cayenne auto insurance costs

The average car insurance cost for a Porsche Cayenne is  $368 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are Cayenne auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Porsche Cayenne $311
Porsche Cayenne Coupe $2,201
Porsche Cayenne S $288
Porsche Cayenne S E Hybrid $353
Porsche Cayenne S Hybrid $289
Porsche Cayenne Se Hybrid Pl $1,427
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

Porsche Cayman auto insurance costs

The average car insurance cost for a Porsche Cayman is  $535 per month, according to Jerry’s full coverage quote data.

Here are Cayman auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Porsche Cayman $151
Porsche Cayman Base $724
Porsche Cayman Gts $465
Porsche Cayenne S E Hybrid $353
Porsche Cayenne S Hybrid $289
Porsche Cayenne Se Hybrid Pl $1,427
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

Porsche Macan auto insurance costs

The average car insurance cost for a Porsche Macan is  $377 per month, according to Jerry’s analysis of full coverage quotes.

Here are Macan auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Porsche Macan $291
Porsche Macan 4s $200
Porsche Macan Base $260
Porsche Macan Gts $475
Porsche Macan S $251
Porsche Macan Turbo $142
$280
$360
$220
$333
$1,095
$240
$337
$481
$302
$660
$251
$284
$475
$286
$349
$450
$235
$409
$377
$309
$265
$262
$203
Last Updated Oct. 15, 2025

Porsche car insurance shopping tips

There are lots of ways that you can reduce your car insurance expenses for your Porsche.

  • Shop around: Shopping around for insurance coverage will let you find the best rate for the coverage you need. With Jerry, you can review quotes from top providers in less than a minute—and then sign up for your new policy right in the app.
  • Opt for a small SUV: Smaller SUVs tend to have the best prices—so if you’re in the market for a Porsche, opting for a Macan might get you a better insurance deal than a sporty 911.
  • Bundle your insurance policies: Bundling your home and auto insurance with the same company can give you savings on each one.
  • Sign up for a telematics program: While Porsche doesn’t have a telematics program to track your driving habits, many insurers do—and participating in one can qualify you for car insurance discounts.
  • Reduce your coverage: If you drive an older car, reducing your coverage will lower your insurance premium. The general rule is that you can reduce coverage if your car is worth less than 10 times the premium you’re paying.

Increase your deductible: Your deductible is the amount of money you pay out of pocket before your collision or comprehensive insurance coverage kicks in on a claim. Increasing your deductible will reduce your monthly payments—but make sure you can pay it in the event of a claim.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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