Cost of Porsche Car Insurance (2026)
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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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 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
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 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.
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 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.
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 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.
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 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.
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 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.
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 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.
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. | $51/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 |
4.9
Best choiceBased on 3,637 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
Best For
Showing recent national reviewsSee all 1,575 USAA reviews
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
Verified Review
Reviewed in Maryland on May 19, 2026
I had three accidents during my entire time with the company, and how I was treated was not fair. My rates went up over 700%.
Verified Review
Reviewed in Pennsylvania on May 19, 2026
I recently switched to this insurance company and wanted to share my experience. The customer service was very helpful in explaining the different coverage options available. They took the time to ensure I understood what each policy covered and how it would benefit me. However, I found their rates to be slightly higher than my previous insurer. Overall, the service was good, but I'm still weighing the cost versus the benefits.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC 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++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. | $80/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. | $148/mo |
4.0
Best choiceBased on 18,220 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 | 3.9 | 3.1 |
| Value | 3.8 | 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
Best For
Showing recent national reviewsSee all 7,744 GEICO reviews
Verified Review
Reviewed in Florida on May 20, 2026
Geico in Florida offers 6-month premiums, unlike my birthplace of Boston, MA, where everyone's policies are for 1 full year each. I loved 1-year policies! It took me forever to get used to 6-month policies. Now, I've had no accidents in over 30, or is it the last 35 years? As well as no tickets in over 20, or is it the last 25 years? And for my last renewal, Geico decided to raise my renewal bill by over $200. It's bad enough my insane love I've had my entire life for my Jaguars, my Corvettes, and/or my Lincoln Town Cars has cost me over an arm and a leg, especially for the repairs part of those equations. Anyways, this is why I'm leaving Geico. Besides, I haven't even been with them that long. I am sure I will find cheaper insurance in no time at all! Thank you very much!
Verified Review
Reviewed in Florida on May 20, 2026
So far, better price.
Verified Review
Reviewed in Florida on May 19, 2026
Adequate, doesn’t include regular maintenance but roadside assistance was excellent. Joe gave me a jump and escorted me to the nearest garage for a new battery and warranty. I did not wait long for battery installation.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC 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++State Farm: Best for customer satisfaction
| 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. | 9.3 /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. | $108/mo |
4.0
Best choiceBased on 18,123 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 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
Showing recent national reviewsSee all 7,558 State Farm reviews
Verified Review
Reviewed in Illinois on May 19, 2026
Too expensive and only good service.
Verified Review
Reviewed in Georgia on May 19, 2026
Easily available and they answer questions well.
Verified Review
Reviewed in New York on May 19, 2026
Great customer service and decent price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC 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++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 RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in