Cost of Porsche Car Insurance (2026)

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.

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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Cheapest Porsche insurance by model

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

low premiums

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User Reviews	4.9 4,359 reviews
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.	$52/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.	$102/mo

Details

4.9

Best choiceBased on 4,359 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,708 USAA reviews

Michael

Verified Review

Current Insurance Co.

Reviewed in Illinois on September 27, 2026

Decent premiums. I haven’t had a claim with them yet.

Edna

Verified Review

USAA Not User-Friendly

Reviewed in California on September 26, 2026

It’s extremely difficult to get service at USAA if you’ve forgotten your PIN. Everything feels too complicated, and you don’t get to deal with an agent.

Stephen

Verified Review

My Review

Reviewed in Connecticut on September 25, 2026

USAA has increased my auto insurance rates.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

discounts

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User Reviews	4.0 20,962 reviews
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.	$79/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.	$143/mo

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4.0

Best choiceBased on 20,962 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 8,233 GEICO reviews

Bob

Verified Review

Geico

Reviewed in Arizona on September 30, 2026

Exceptional.

Theodore

Verified Review

My Current Policy

Reviewed in California on September 30, 2026

GEICO is there when you need them and is very responsive. You can get better rates when you bundle. I’ve been fortunate—other than a rock ding in the windshield, I’ve never had to file a claim. However, rates tend to go up every year, even with no claims.

George

Verified Review

Excellent

Reviewed in Kentucky on September 30, 2026

I have never had any problems with them.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

• No rideshare or new car replacement coverage available

• Slightly lower customer satisfaction scores from J.D. Power

State Farm: Best for customer satisfaction

customer satisfaction

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User Reviews	4.1 21,453 reviews
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.	$53/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.	$103/mo

Details

4.1

Best choiceBased on 21,453 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 8,185 State Farm reviews

Seth

Verified Review

Overpriced Policies with Dehumanizing Automated Customer Service

Reviewed in Minnesota on September 30, 2026

If you enjoy long hold times, automated customer service that feels impersonal, and very expensive premiums that constantly increase, then State Farm is for you.

Harriet

Verified Review

Excellent

Reviewed in Missouri on September 30, 2026

Very pleased, but it could be a little cheaper.

Mary

Verified Review

State Farm Insurance Is #1

Reviewed in Kansas on September 30, 2026

Great customer service. My agent is always there to help. Very friendly staff. I always get prompt attention—no waiting, and no worrying.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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.

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.

Which company has the cheapest Porsche insurance?

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.

Are Porsches expensive to insure?

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.

How much does it cost to insure a Porsche Macan?

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.

What’s the cheapest Porsche to insure?

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.