Jerry SummaryPorsche car insurance costs $416 per month, on average, according to a July 2025 analysis of full coverage auto insurance quotes for Jerry customers. Embark General offers the cheapest coverage at $247 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 $416 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $170 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
|
|---|---|
| 911 | $449 |
| Boxster | $316 |
| Cayenne | $406 |
| Cayman | $523 |
| Macan | $384 |
| Panamera | $544 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Porsche model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 911 | $165 |
| 928 | $492 |
| Boxster | $120 |
| Cayenne | $183 |
| Cayman | $76 |
| Macan | $169 |
| Panamera | $154 |
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 $381 per month. In New Jersey, the monthly average is $381.
Here’s a look at how full coverage Porsche insurance costs differ by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AZ | $292 |
| CA | $433 |
| CO | $348 |
| CT | $300 |
| DC | $347 |
| FL | $433 |
| GA | $454 |
| IL | $282 |
| IN | $275 |
| KY | $259 |
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 company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal 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 $247 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 | $202 |
| National General | $213 |
| Progressive | $240 |
| The General | $252 |
| Safeco | $274 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for Porsche, with an average rate of $29 per month.
Below are the cheapest insurers for Porsche for minimum coverage, according to Jerry’s data analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| National General | $74 |
| Safeco | $90 |
| Progressive | $131 |
| The General | $160 |
| ROOT | $238 |
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 $449 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 | $338 |
| Porsche 911 Carrera 2 | $159 |
| Porsche 911 Carrera 4s | $778 |
| Porsche 911 Turbo | $355 |
Porsche Cayenne auto insurance costs
The average car insurance cost for a Porsche Cayenne is $406 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 | $348 |
| Porsche Cayenne Coupe | $833 |
| Porsche Cayenne E Hybrid Cou | $1,095 |
| Porsche Cayenne S | $229 |
| Porsche Cayenne S Hybrid | $230 |
Porsche Cayman auto insurance costs
The average car insurance cost for a Porsche Cayman is $523 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 | $115 |
| Porsche Cayman Base | $724 |
| Porsche Cayman Gts | $203 |
| Porsche Cayman S | $1,170 |
Porsche Macan auto insurance costs
The average car insurance cost for a Porsche Macan is $384 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 | $374 |
| Porsche Macan Base | $239 |
| Porsche Macan Gts | $241 |
| Porsche Macan S | $358 |
| Porsche Macan Turbo | $150 |
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 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
