Porsche Car Insurance Rates

Porsche car insurance is more expensive than your average insurance as it's a luxury sports car. On average, Porsche car insurance is $187/mo. Buy comprehensive car insurance for adequate protection.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 25, 2021

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Here's what you need to know...

  • Porsches are luxury sports cars
  • Each state has minimum liability requirements for insurance
  • Comparison shopping for insurance will help you get the best rates for the coverage you desire

Evidently, luxury car sales are on the rise in the United States.

Porsche AG, the German sports car maker indicated that their U.S. sales escalated 21 percent in 2013 with a record of 42,823 vehicles.

The market for these luxury autos has increased, according to an article from the Wall Street Journal, dated January 6, 2014.

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Available Porsche Models

Porsche has many models and variations on models available this year. Here is a partial listing of the vehicles:


  • Boxster
  • Boxster S


  • Cayman
  • Cayman S

911 Carrera:

  • Carrera
  • Carrera S
  • Carrera Cabriolet
  • Carrera S Cabriolet
  • Carrera 4


  • Panamera
  • Panamera 4
  • Panamera S
  • Panamera S E-Hybrid
  • Panamera 4S
  • Panamera 4S Executive
  • Panamera GTS
  • Panamera Turbo
  • Panamera Turbo Executive


  • Cayenne
  • Cayenne Diesel
  • Cayenne S
  • Cayenne S Hybrid
  • Cayenne GTS
  • Cayenne Turbo
  • Cayenne Turbo S

The Manufacturer’s Suggested Retail Prices begin at around $50,000 and go up to almost $200,000 depending upon the body style, engine, transmission, and other amenities desired.

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History of Porsche

Porsche was founded in Stuttgart, Germany in 1931, became Porsche Automobil SE, then gained over 50 percent of the voting rights to Volkswagen AG and now is back in the hands of the Porsche Corporation.

Porsche, after WW II, became a limited corporation. Porsche collaborated with Toyota to streamline its factories and processes.

Beefing up their design departments, emphasizing innovations in engines and transmissions, and cutting costs has developed a respect for the Porsche brand.


There are numbers of reviews that praise the handling, steering, and ride of Porsche automobiles. Consumer Reports particularly was impressed with the general reliability and quality of the Porsche Cayenne being offered in 2014.

It is considered a sporty, agile SUV with plenty of room for cargo. There are a variety of engine sizes offered along with the 4-door SUV body style.

MSRP on this model is from $50,000 to $150,000. This vehicle outperforms the 911 for reliability.

The handling of the Cayenne is exceptional as is the drive train options available. One reviewer mentioned that checking off all the optional elements could more than double the base price for the Cayenne. This is true of all the Porsche models.

A nifty tool is common to many manufacturers’ websites, allowing you to check the additional features that you want and totaling the price for all. This is a great way to compare prices and determine what is truly desirable to you.

Something to remember is that, once you’ve determined the price for the options on the Internet, plan to go to the dealer with a sharp pencil to negotiate the price.

The MSRP does not include delivery costs and set-up costs as well as taxes and licensing fees, too. Recognize that will add an extra amount to your costs.

Insuring Your Porsche

Are Porsches expensive to insure? Porsche, even though they produce racing vehicles, is not considered a major risk in the American insurance market.

Very few individuals who own Porsches use them to commute, drive to the grocery store, or go off paved roads, so usually the statistical experience of these vehicles has been excellent.

It is easy to speed in a Porsche. Be cautious because speeding has the possibility to generate citations and increase insurance costs. On average it costs $187/mo.

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Suggested Limits of Liability

Every state has laws that require that drivers have liability insurance. You can check with the state Department of Motor Vehicles to determine the minimal limits required for liability insurance.

The minimal limits are just that – minimal – and have not kept up with current costs for repair of cars and medical costs,so it is wise to purchase more coverage than is required.

Since a Porsche is a rather expensive vehicle, these are the suggested limits of liability for this vehicle:

  • Bodily Injury Liability – $250,000 per person/$500,000 per accident
  • Property Damage Liability – $100,000 per accident
  • Medical Payments – $5,000
  • Uninsured Motorists Liability – $250,000 per person/$500,000 per accident Bodily Injury, and $100,000 per accident Property Damage


  • Bodily Injury Liability pays for your responsibility for bodily injury to others for which you are legally liable.
  • Property Damage Liability pays for damage to the property of others for which you are legally liable.
  • Medical Payments provides funeral expenses and emergency medical services at the time of the accident.
  • Uninsured Motorists Liability pays for your injury or property damage if involved in an accident with an uninsured driver. Since 17 percent of all individuals do not have insurance, this coverage is necessary.

Damage to Your Own Vehicle

Comprehensive coverage pays for the following hazards:

  • Vandalism
  • Glass damage
  • Weather
  • Theft
  • Animal damage

A deductible is usually added to this coverage to help you reduce the number of claims that might occur.

Deductibles may be from $100 and up, depending upon your judgment and the requirements of the lender.

Collision coverage pays for collision damage to your own vehicle with a deductible usually added.

Comparing and Reducing Insurance Costs

No one wants to pay more than is reasonable for any commodity, including insurance.

To assure yourself that you are getting the best rates available, request new insurance quotations at least once a year to determine if any better rates are available.

The cost of insurance varies with the individuals being insured. Be sure to get an exact quotation from insurance companies using the data that applies to you and your family before relying on these quotations.

Use the FREE car insurance comparison by entering your ZIP code below to get started.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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