Cost of Porsche Car Insurance (2025)
The average monthly Porsche insurance premium is $177, but rates vary based on your location, the model, insurance company, and other factors.
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Table of contents
Porsche is one of the most well-known manufacturers of high-performance luxury vehicles and sports cars in the world. In 2024, Porsche delivered more than 76,000 vehicles in the U.S., a record in the company’s history.[1]
Most Porsche models have a high price tag and above-average insurance premiums. But Porsche insurance premiums are lower than some comparable brands. The average monthly cost of Porsche insurance is $123 for liability-only coverage and $232 for full coverage.
Quick Facts
USAA has the cheapest average Porsche insurance premiums.
Eligible owners can purchase Porsche Auto Insurance through the manufacturer.
Porsche insurance premiums are much higher than the national average for all vehicles.
Cost of Porsche insurance by model
Porsche car insurance premiums depend on a variety of factors, including the model you own. In the following table, you can see the average monthly cost of Porsche insurance by model.
Porsche Model  | Average Monthly Quote |
|---|---|
| 911 | $169 |
| Boxster | $133 |
| Carrera | $119 |
| Cayenne | $171 |
| Cayman | $181 |
| Macan | $183 |
| Panamera | $207 |
| Taycan | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest Porsche insurance by model
The Porsche 911 is one of the manufacturer’s bestselling vehicles. In 2024, the company sold 14,128 Porsche 911 models — a record for the company and nearly a 21% increase from the year before. Porsche sells a variety of 911 models, which range in price from $127,000 to more than $260,000.[2]
Insurance CompanyAverage Monthly Full-Coverage QuoteUSAA $113 GEICO $134 State Farm $135 Allstate $150 Progressive $174 American Family $175 Nationwide $207 Travelers $219 Farmers $266 Liberty Mutual $284 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Porsche Boxster is one of the company’s lower-priced vehicles. The 2025 718 Boxster has a manufacturer’s suggested retail price (MSRP) of $74,900. The two-seater sports car can go from 0 mph to 60 mph in less than five seconds and has a top speed of 171 mph.
Insurance CompanyAverage Monthly QuoteUSAA $89 GEICO $105 State Farm $106 Allstate $118 Progressive $137 American Family $138 Nationwide $163 Travelers $172 Farmers $209 Liberty Mutual $223 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Porsche Carrera starts at $127,700, but, depending on the model you choose, you could pay upward of $190,000. The 911 Carrera, which is the cheapest model, goes 0 mph to 60 mph in less than four seconds and can reach a top speed of 183 mph.
Average monthly quotes aren’t included below due to insufficient data.
The Porsche Cayenne is another top-selling model. In 2024, Porsche sold 22,432 Cayenne vehicles in the U.S., an increase of nearly 10% from the year prior. The Porsche Cayenne comes in two body styles: a coupe ($91,900) and an SUV ($86,800).
Insurance CompanyAverage Monthly QuoteUSAA $114 GEICO $135 State Farm $136 Allstate $151 Progressive $176 American Family $177 Nationwide $209 Travelers $221 Farmers $269 Liberty Mutual $287 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Porsche Cayman is similar to the 718 Boxster, but the Cayman has a slightly lower MSRP of $72,800. These two vehicles have similar performance but different body styles. Namely, the Cayman has a fixed roof, whereas the 718 Boxster has a soft-top convertible roof.
Insurance CompanyAverage Monthly QuoteUSAA $121 GEICO $143 State Farm $144 Allstate $160 Progressive $186 American Family $187 Nationwide $221 Travelers $234 Farmers $284 Liberty Mutual $304 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Porsche Macan was the company’s highest-selling vehicle in 2024. More than 25,000 Macan vehicles were delivered in the U.S. last year, but sales were down slightly from 2023. The 2025 gas-powered Porsche Macan retails for $63,100, and the electric version starts at $75,300.
Insurance CompanyAverage Monthly QuoteUSAA $122 GEICO $145 State Farm $146 Allstate $162 Progressive $188 American Family $190 Nationwide $225 Travelers $237 Farmers $288 Liberty Mutual $308 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2024, Porsche delivered just less than 4,000 Panamera vehicles in the U.S., making it one of the least popular models in the lineup. The Porsche Panamera starts at $106,300, but there are a variety of models to choose from, which top out at more than $230,000.
Insurance CompanyAverage Monthly QuoteUSAA $138 GEICO $163 State Farm $165 Allstate $183 Progressive $212 American Family $214 Nationwide $253 Travelers $267 Farmers $325 Liberty Mutual $348 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Porsche Taycan, a fully electric vehicle, is one of two sedans the company sells. In 2024, Porsche delivered 4,747 Taycans in the U.S., which was down significantly from 7,570 deliveries in 2023. The 2025 Taycan starts at $100,300, the Taycan 4 Cross Turismo starts at $112,000, and the Taycan GTS Sport Turismo starts at $150,700.
Average monthly quotes aren’t included below due to insufficient data.
Best companies for Porsche car insurance
Many reputable auto insurance companies sell Porsche car insurance. These are some of the best and cheapest companies for Porsche insurance:
USAA: Best for low premiums
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,093 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,191)
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
Norman
June 7, 2025
Verified Review
USAA Value
Expensive for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $121/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
4.0
Best choiceBased on 11,947 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)
William
June 10, 2025
Verified Review
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Verified Review
Average Insurance. Constant Price Hikes.
Beware of the constant price hikes despite having no accidents or tickets for 40 years.
Philip
June 5, 2025
Verified Review
High Price for Full Coverage
They are good but offer no rate deductions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
State Farm: Best for customer satisfaction
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.1
Best choiceBased on 11,208 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,023)
Connie
June 15, 2025
Verified Review
Lack of Communication and Unexplained Premium Increases
It seems like my monthly premium goes up every few months without any explanation. I have only had one minor accident with them almost three years ago. They did process the claim right away and let me take it to the place I requested, which was nice because they did a great job fixing it.
Mark
June 14, 2025
Verified Review
State Farm: Reliable and Fair
Auto premium spiked but it may be related to owning a Tesla, and it appears to be in line with other insurers.
Conrad
June 13, 2025
Verified Review
Good and Bad with State Farm
Long-term customer, great rates. Local agents are terrible with poor office management and poorly trained/motivated employees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Average cost of Porsche insurance by state
The cost of Porsche car insurance differs based on your location. In the chart below, you can see the average Porsche insurance premium in 48 states and Washington, D.C.
Data isn’t available for Alaska and Hawaii.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $169 |
| Arizona | $206 |
| Arkansas | $304 |
| California | $286 |
| Colorado | $261 |
| Connecticut | $397 |
| Delaware | $292 |
| Florida | $273 |
| Georgia | $296 |
| Idaho | $148 |
| Illinois | $202 |
| Indiana | $171 |
| Iowa | $144 |
| Kansas | $195 |
| Kentucky | $257 |
| Louisiana | $263 |
| Maine | $179 |
| Maryland | $402 |
| Massachusetts | $211 |
| Michigan | $328 |
| Minnesota | $232 |
| Mississippi | $246 |
| Missouri | $229 |
| Montana | $197 |
| Nebraska | $208 |
| Nevada | $333 |
| New Hampshire | $134 |
| New Jersey | $211 |
| New Mexico | $188 |
| New York | $559 |
| North Carolina | $111 |
| North Dakota | $163 |
| Ohio | $153 |
| Oklahoma | $211 |
| Oregon | $191 |
| Pennsylvania | $205 |
| Rhode Island | $175 |
| South Carolina | $320 |
| South Dakota | $153 |
| Tennessee | $177 |
| Texas | $280 |
| Utah | $217 |
| Vermont | $180 |
| Virginia | $228 |
| Washington | $189 |
| District of Columbia | $408 |
| West Virginia | $186 |
| Wisconsin | $157 |
| Wyoming | $141 |
How to get insurance through Porsche
Eligible Porsche owners can purchase car insurance through the company. Porsche Auto Insurance is available for model year vehicles 1981 or newer that are garaged in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
Porsche offers two insurance plans: a pay-per-mile plan and an unlimited mileage plan. Insured vehicles are covered at their agreed value, which you choose when you sign up. If your Porsche is totaled, you’ll get reimbursed for the full agreed value of your vehicle plus the cost of custom accessories and parts.
Additionally, Porsche Auto Insurance customers can get priority vehicle repairs at all Porsche-Approved Collision Centers, and original equipment manufacturer (OEM) parts are automatically approved with every claim.
Porsche offers standard minimum-coverage and full-coverage policies with comprehensive and collision insurance. You can also get coverage for stored vehicles. If your vehicle qualifies for Porsche Auto Insurance, you can get a quote online or call (800) 400-4128.
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How to ensure you have enough coverage on your Porsche
Whether you drive your Porsche daily or you store it for special occasions, it’s important to have enough coverage to protect your investment. Here are some of the most valuable coverages you should consider getting for your Porsche.
Collision coverage and comprehensive coverage
Collision insurance covers your Porsche’s repairs after an accident, and comprehensive insurance covers non-collision losses, like fire, theft, vandalism, and falling objects. These two policies are usually purchased together as part of a full-coverage policy.[3]
New car replacement
If you total your Porsche or someone steals it, new car replacement coverage will pay to replace the car with a similar make and model. Oftentimes, new car replacement coverage is only available on vehicles that are several model years old or have less than a certain mileage.
OEM coverage
If you add OEM coverage to your auto insurance policy, it’ll cover the higher cost of using genuine, original parts from the manufacturer after a claim. Without this endorsement, your policy might only cover cheaper, aftermarket parts, which can potentially lead to issues with durability and performance.
Gap insurance
For Porsche owners who lease or finance their vehicle, having gap insurance can be beneficial. If your Porsche gets totaled or stolen, and you have negative equity, gap insurance will pay the difference between the car’s diminished value and what you still owe the lender.
Roadside assistance
Roadside assistance covers basic repairs if you get stranded, like flat tire changes, fuel delivery, battery jump-starts, lockouts, and towing (up to a certain mileage).
Porsche insurance FAQs
If you own a Porsche or are thinking about buying one, it’s important to choose the best insurance policy for your needs. Here’s some additional information that can be helpful as you shop for coverage.
USAA offers the cheapest Porsche insurance premiums, based on Insurify data. But USAA only insures military personnel and their immediate family members. If you don’t qualify for USAA, GEICO is the second-cheapest insurer.
Porsches can be very expensive to insure. The average cost of Porsche insurance is $232 per month for full coverage and $123 per month for liability-only coverage. To compare, the U.S. national average for all vehicles is $195 per month for full coverage and $105 per month for liability-only coverage.
The average Porsche Macan insurance premium is $240 per month for full coverage and $127 per month for liability-only coverage. Porsche Macan insurance rates are slightly higher than the average cost of Porsche insurance for all models.
The Porsche Boxster is the cheapest Porsche to insure. The average cost of car insurance for a Porsche Boxster is $174 per month for full coverage and $92 per month for liability-only coverage.
Sources
- Porsche Newsroom. "Porsche reports U.S. retail sales record in 2024."
- Porsche. "Model Overview."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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