Best Porsche Car Insurance Rates in 2025 (Compare the Top 10 Companies)

Allstate, State Farm, and Liberty Mutual have some of the best Porsche car insurance rates.

If you’re looking to compare Porsche car insurance rates, you’ll need to know that finding cheap car insurance rates will depend on several factors.

Our Top 10 Company Picks: Best Porsche Car Insurance Rates

Some factors include the model you own or want to purchase, the age of the vehicle, and the company you choose.

Read on to learn about the best Porsche car insurance, from what coverages you should carry on your Porsche to Porsche rates by model. You can also compare rates immediately by entering your ZIP into our free quote tool.

#1 – Allstate: Top Pick Overall

Pros

• UBI Savings: Allstate’s Drivewise offers discounts to good drivers. Discover more about the UBI program in our Allstate Drivewise review.
• Pay-Per-Mile Coverage: If you rarely drive your Porsche, pay-per-mile coverage could help you lower your Porsche auto insurance rates.
• Comprehensive Policies: Fully protect your Porsche with Allstate’s coverage options. Find out more in our Allstate review.

Cons

• Claim Satisfaction: Claim complaints are higher than the norm at Allstate.
• Young Driver Rates: Allstate’s rates are pricy for teens buying a Porsche insurance policy.

#2 – State Farm: Best for Good Students

Pros

• Good Students: State Farm has a good student discount and a student-away discount for families.
• Local Agents: Local agents are easy to locate if Porsche owners want more assistance with their policy.
• Coverage Options: The company sells basic or specialty coverage options for Porsches. Read our State Farm review for more details.

Cons

• Financial Rating: A.M. Best recently downgraded State Farm to a lower rating.
• Agent Purchases: Porsche policies can’t be purchased online.

#3 – Liberty Mutual: Best for Add-On Options

Pros

• Add-On Options: Liberty Mutual’s add-ons help Porsche customers personalize their policies.
• Claim Filing: Liberty Mutual has a simple claims filing process (learn more: How do you file a car insurance claim?).
• Military Discount: Veterans and active military will qualify for a rate discount.

Cons

• Customer Ratings: While most customer service ratings are decent, there are some negative reviews.
• Discount Availability: Location limits some discount options from Liberty Mutual.

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#4 – Nationwide: Best for Bundling Discounts

Pros

• Bundling Discounts: Porsche rates can be reduced if customers also buy home insurance (read more: Nationwide car insurance discounts).
• Low-Mileage Insurance: SmartMiles by Nationwide is pay-per-mile coverage useful for Porsche owners who rarely drive.
• Accident Forgiveness: Nationwide will not increase rates after qualifying drivers’ first accident.

Cons

• Limited Agent Interaction: It can be difficult to locate local Nationwide agents in some areas.
• Customer Ratings: Ratings for customer service could be improved.

#5 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: AAA offers three different roadside assistance plans to customers.
• Member Benefits: AAA members can access additional perks. Read more in our AAA review.
• Coverage Options: While known for its roadside assistance, AAA also offers plenty of other car insurance add-ons.

Cons

• Fee for Membership: Intital car insurance costs can be higher, as you must be a member before purchasing insurance.
• Service Ratings Vary: AAA’s customer service ratings can be higher or lower depending on your location.

#6 – Geico: Best for Special Discounts

Pros

• Special Discounts: Geico has plenty of discounts for Porsche drivers to take advantage of.
• Strong Digital Presence: The website and mobile app help to make online policy changes easy.
• Financial Stability: A.M. Best rated Geico’s financial handling as decent. Read more in our Geico review.

Cons

• Limited Personal Interaction: Because Geico offers great online service, local agents are few.
• DUI Rates: If you have more than one DUI on your record, Geico’s Porsche rates will be less competitive.

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#7 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA members can use their membership for additional benefits and savings.
• Coverage Options: USAA offers add-on coverages that Porsche customers can buy for extra protection. Read more in our USAA car insurance review.
• Discount Variety: Porsche customers have the opportunity to save by bundling policies, being good drivers, and more.

Cons

• Eligibility: Only active service members and veterans can buy USAA auto insurance for their Porsches.
• Local Agent Availability: USAA’s great online services mean there isn’t much need for local agents.

#8 – Progressive: Best for Online Tools

Pros

• Online Tools: Progressive boasts useful online tools like a free budgeting tool.
• Snapshot Program: Porsche drivers could potentially save up to 30% with Progressive’s UBI program.
• Coverage Variety: There are plenty of options for Porsche drivers. Learn more in our review of Progressive.

Cons

• Snapshot Rate Changes: While Snapshot usually helps drivers save, Progressive can raise rates if drivers do poorly.
• Customer Loyalty Issues: Progressive has lower driver loyalty numbers.

#9 – American Family: Best for Young Drivers

Pros

• Young Drivers: American Family has young driver discounts and competitive rates for younger drivers.
• Coverage Options: Porsche owners can add coverage like gap insurance to their policies. Learn more in our American Family review.
• Customer Satisfaction: The company has good ratings from most customer reviews.

Cons

• Limited Availability: Insurance is sold in just 19 states, although Costco members can get coverage in more states.
• DUI Rates: If you have more than one DUI, rates will be less affordable and competitive.

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#10 – Farmers: Best for Discount Selection

Pros

• Discount Selection: Porsche owners can select several discounts for their policies. Explore Farmers’ discounts in our Farmers review.
• Personalized Service: Customers can usually find personalized help from local agents.
• Accident Forgiveness: Claims-free Porsche drivers may be forgiven an accident.

Cons

• Online Functions: Farmers’ online tools can be limited in functions.
• Customer Satisfaction: Customers sometimes complain about the slow processing of car insurance claims.

Porsche Car Insurance Rates

The average price to insure a Porsche is around $277 monthly, though this will differ based on a few factors. The car insurance companies you request quotes from will also provide varying rates, as each company has preferred methods of deciding how customers will pay. Your rates will also depend on your location and if you want the best full coverage car insurance.

If you own a more expensive model, it will cost more to insure. For example, the 911 Turbo S and the Macan are a sports car and an SUV, respectively. Porsche 911 insurance will cost more to insure per month than the Macan, which means it will be harder to get cheap Porsche car insurance for a 911 Turbo S.

Car Insurance Rates for Porsche by Company

Choosing which insurance company to obtain a quote from is up to the individual. Some people prefer to go with well-known name brands, while others prefer the cheapest option to keep their Porsche car insurance costs low. Monthly rates will also be determined by whether you want full coverage or the standard liability coverage required by your state.

Porsche Car Insurance Monthly Rates by Coverage Level & Provider

For Porsche owners, USAA and Geico are going to be some of the cheapest options for coverage if you choose a non-full coverage policy. You can get quotes for the best car insurance for Porsches directly from company websites like Geico.

If you don’t feel like getting quotes from each company individually, consider using a quote comparison tool to quickly find cheap Porsche insurance.

Car Insurance Rates by Porsche Model

The average price based on varying Porsche models is around $277 each month. The Macan is one of Porsche’s compact, luxury crossover SUVs and was introduced in 2014. The average monthly Porsche Macan car insurance rates will be around $189 per month, making it the most affordable to insure (read about the best Porsche Macan auto insurance rates). The 911 Turbo S will be $372 per month — nearly double that of the Macan’s insurance price — and also the most expensive model to insure.

Introducing a comparison of Porsche car insurance rates by model.

Compare Porsche Car Insurance Rates by Model

Explore insurance costs for popular models like the Macan, Panamera, and Taycan to find the best coverage for your Porsche.

Car Insurance Rates for the Porsche Macan

If you own a Macan or want to purchase one, it will be the cheapest Porsche to insure. The average cost for a Macan is going to be around $189 each month. This price is going to depend on the year of the model as well as your age. Older drivers will generally pay less for car insurance. State Farm has the lowest monthly average rate at $144, and Progressive has the most expensive with a $236 monthly average.

Car Insurance Rates for the Porsche Cayenne

The Cayenne, a mid-size luxury crossover, was brought into production in 2002. For the most affordable Porsche Cayenne insurance cost, you’ll want to look into the older models, such as the 2018 or 2017. For a 2017 Cayenne, the average cost of car insurance will be around $212 each month. The average insurance cost for a Porsche Cayenne will be around $233 per month for a 30-year-old driver.

Car Insurance Rates for the Porsche 718 Cayman

The 718 Porsche Cayman is a two-seater sports car and has seen a few generations since its initial production. You’ll find that full coverage for a Cayman will be around $250 on average each month. The total will decrease the older the model, with a 2017 having a monthly policy of $224. A 2021 model will cost you $268 each month.

Car Insurance Rates for the Porsche 718 Boxster

The Porsche 718 Boxster is also a two-seater sports car and has an average monthly cost of $252 for car insurance. A 2021 model will be around $269 per month, while a 2017 will cost around $223 each month.

Car Insurance Rates for the Porsche 718 Spyder

The Porsche 718 Spyder is another sports car, with the 2023 model listed as a luxury vehicle. As with most car insurance policies, your monthly rate for car insurance will be different depending on your age and the age of your vehicle (read more about factors that affect car insurance rates). For example, a 30-year-old driver with a 2018 model of the 718 Spyder will pay $253 per month. A 45-year-old driver will pay $234 for the same model.

Car Insurance Rates for the Porsche Taycan Turbo

The average Porsche Taycan Turbo car insurance rate is around $312 each month for a 30-year-old driver. Rates significantly increase the newer Taycan models. A 2021 model will cost a 30-year-old driver $457.

Learn about the best Porsche Taycon auto insurance rates.

Car Insurance Rates for the Porsche Panamera

The Panamera is a mid to full-size luxury car that has been in circulation since 2009. On average, a 30-year-old driver will pay around $315 each month to insure a Porsche Panamera, with a newer 2021 model running just $304 per month for a driver of the same age.

What may be surprising is that car insurance for a Porsche Panamera, even an older model, will not be that much more expensive with a policy of around $306 per month. Porsche Panamera insurance rates will vary depending on the age of both the vehicle and the driver.

Car Insurance Rates for the Porsche911 Carrera

The 911 Carrera is a luxury classic car first produced in 1964, which means buying insurance for one will be expensive. For a 30-year-old driver, full coverage car insurance will cost around $335 each month, while a 45-year-old driver can expect to pay $311.

Car Insurance Rates for the  Porsche 911 Turbo S

As the most expensive model of Porsche to insure, the 911 Turbo S can see average monthly insurance rates of $387 for a 30-year-old driver. A 45-year-old driver can expect to pay around $358 per month. This being the average, prices will increase with the newer models.

How to Save on Porsche Car Insurance Rates

There are a few things you can do to try and reduce your Porsche car insurance costs. To start, see if there are any additional discounts you can qualify for at your company.

Discounts are one of the best ways to save, as you can get a discount just for having a Porsche with safety features (learn more: Safety Features Car Insurance Discounts).

 

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Other ways to save include keeping a clean driving record, shopping for the best Porsche insurance quotes, and raising your car insurance deductible.

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Car Insurance From Porsche

Porsche does offer car insurance directly, underwritten by Mile Auto Insurance. However, there are a few things to keep in mind.

• Direct insurance through Porsche is only available in five states.
• You must provide a Porsche-specific VIN to prove that you own a Porsche.
• There are not many coverage options, and opportunities for obtaining car insurance discounts are also limited.

There are some upsides to this direct coverage route as well. You can select pay-per-mile as well as more traditional insurance. If you drive your Porsche sparingly, this can save you money on your policy.

You also can utilize a Porsche-approved collision center in the event your vehicle is damaged, where you’ll be able to have repairs made using manufacturer-approved parts. You also have the ability to select the value of your vehicle up to and including any custom modifications you have made.

The Bottom Line on Porsche Car Insurance

There are many models of Porsche, all with their own unique monthly car insurance rates. The cost of insurance for Porsche won’t just depend on the model of your vehicle but the age and the amount of coverage you need as well. Insurance companies will also take your age into consideration, as well as your driving record and other personal details when calculating rates for the best insurance for luxury cars.

Comparison shopping can be a great way to save money on your Porsche car insurance policy, even if you’ve been with your current provider for a while. Use our free quote comparison tool to compare Porsche car insurance rates today.

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