Over the past year, Jerry has helped 2,096 Porsche drivers find smarter coverage and significant savings. By analyzing real Porsche insurance policies, we know what owners are paying today and what you can expect at every coverage level.
Competitive annual prices for Porsche drivers are currently around:
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$1,070 for basic coverage.
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$3,232 for standard coverage.
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$3,912 for premium coverage.
Of course, the rate you’ll pay depends on personal factors such as your model, location, age and driving record.
On average, Porsche drivers pay between $3,108 and $6,556 annually for full coverage, with an average premium around $5,580. That’s higher than the national average of $4,143, reflecting Porsche’s advanced engineering, performance capabilities and premium repair costs.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Porsche insurance with Jerry.
How much does Porsche insurance cost?
Porsche insurance rates vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even two Porsche drivers with the same model can pay drastically different rates. Jerry compares real-time quotes from top insurers so you can find the best coverage for your car and your budget.
What’s the best insurance for a Porsche?
Owning a Porsche is about precision, power and craftsmanship, so the insurance you choose should reflect that.
If your Porsche is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.
Jerry recommends that Porsche drivers carry at least 250/500/250 liability with collision and comprehensive coverage. While higher than most state minimums, it’s the right level of protection for vehicles with luxury materials and high repair costs.
Here are the most common coverage options Porsche owners choose and why.
Higher liability limits
Porsches are high-performance vehicles, and at-fault accidents can get expensive fast. The majority (61%) of Jerry Porsche drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision protect your Porsche from theft, weather and at-fault accidents. Roughly 61% of Jerry Porsche drivers carry full coverage for complete peace of mind.
OEM parts coverage
Ensures that every covered repair uses genuine Porsche parts and trained technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Porsche with a new model if it’s totaled early in ownership, and is especially valuable for high-end models like the Taycan or Panamera.
Roadside assistance
Covers towing, flat tires and lockouts. Porsche includes roadside assistance for up to four years, but many drivers extend it for added reassurance.
Rental reimbursement
Covers the cost of a loaner vehicle while your Porsche is being repaired. Most carriers offer 30 to 45 days of coverage depending on your state.
Gap insurance
Covers the remaining balance on your lease or loan if your Porsche is totaled. Roughly 39% of all drivers add gap coverage when financing a vehicle.
Accident forgiveness
Prevents rate spikes after your first at-fault accident. Without it, Porsche drivers see premiums rise by almost 17% on average.
See coverage options for your Porsche.
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Coverage definitions
4 smart ways Porsche drivers can shop and lower insurance costs
Finding the right insurance means balancing premium protection with smart savings. For Porsche owners, that balance depends on your model, coverage preferences and driving habits.
Jerry’s experts help Porsche drivers lower premiums without compromising on the protection their vehicles deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 48% to 73% among Porsche drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use telematics | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before buying
Not every insurer prices Porsche coverage fairly. Some overestimate repair and performance risk, while others account for strong safety ratings and modern driver-assist tech. Comparing quotes before renewal helps you secure accurate pricing for the same protection.
Here’s where Porsche drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Porsche drivers who switched | Average Jerry savings |
|---|---|---|
| Mercury Auto | 50% | 12% |
| Progressive | 50% | 34% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Porsche drivers can save over a third on insurance by comparing quotes. Jerry shows live rates from top insurers so you can find the best deal before you buy.
Tip 2: Stack discounts for even more savings
Porsche owners often qualify for multiple discounts like safe driver programs, garage parking or bundling home and auto. But insurers don’t always apply these automatically.
Jerry tracks down your available discounts to ensure you get the savings you deserve.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Porsche
From the 911 to the Cayenne, every Porsche has unique coverage needs. Most drivers carry more than the minimum required, opting instead for full coverage and high liability limits. Drivers then adjust deductibles or add-ons based on how often they drive or where the vehicle is stored.
Minimum
$68 – $149/mo
Offers the legal minimum limits, which vary by state.
Full
$210 – $484/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$249 – $546/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$271 – $579/mo
Raises liability further, lowers deductibles and expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Porsche drivers with newer models choose full coverage and higher limits. Jerry experts recommend at least 250/500/250 for strong protection that matches your car’s value.
Tip 4: Try telematics for personalized savings
Telematics programs use a connected app or plug-in device to track driving behavior like speed, braking and mileage. This data is then used to personalize your rate. For Porsche drivers, these programs can cut premiums by up to 6%, especially for smooth, controlled drivers.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Porsche drivers, real savings
See how much Porsche owners are actually saving. Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Porsche insurance can be costly, but overpaying isn’t a given. Whether you drive a 911, Taycan or Macan, Jerry helps you find coverage that fits your car’s performance, precision, and value, without the excess.
We compare top insurers, uncover discounts and handle renewals so your protection stays seamless year after year.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
