Mercedes-Benz SL-Class vs Porsche Taycan Insurance Cost

The Porsche Taycan is cheaper to insure by about $35 a year for full coverage by our estimate ($2,330 vs. $2,295), and cheaper in 37 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Mercedes-Benz SL-Class	Porsche Taycan	Difference
State minimum	$500	$550	−$50
Standard (100/300/100)	$725	$800	−$75
Full coverage	$2,330	$2,295	+$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = SL-Class minus Taycan.

Why one costs more to insure

Factor	Mercedes-Benz SL-Class	Porsche Taycan
Segment	Luxury sports car	Luxury sports car
Powertrains	Gasoline, Hybrid, Plug-in hybrid	Electric
HLDI collision (100 = avg)	210	236
HLDI comprehensive	292	212
HLDI property damage liability	64	83
HLDI bodily injury liability	—	73
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	2	8

Collision losses are the biggest swing factor: the Porsche Taycan has 26 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Porsche Taycan.

SL-Class vs Taycan insurance by state

State	SL-Class	Taycan	Difference
Alabama	$2,155	$2,100	+$55
Alaska	$2,050	$2,045	+$5
Arizona	$2,430	$2,370	+$60
Arkansas	$2,285	$2,190	+$95
California	$2,310	$2,355	−$45
Colorado	$2,865	$2,670	+$195
Connecticut	$2,310	$2,330	−$20
Delaware	$2,320	$2,345	−$25
District of Columbia	$2,965	$2,955	+$10
Florida	$2,870	$2,895	−$25
Georgia	$2,625	$2,630	−$5
Hawaii	$1,635	$1,655	−$20
Idaho	$1,620	$1,585	+$35
Illinois	$2,090	$2,055	+$35
Indiana	$1,730	$1,690	+$40
Iowa	$1,870	$1,720	+$150
Kansas	$2,145	$1,985	+$160
Kentucky	$1,955	$1,905	+$50
Louisiana	$3,180	$3,115	+$65
Maine	$1,560	$1,530	+$30
Maryland	$2,515	$2,510	+$5
Massachusetts	$2,270	$2,280	−$10
Michigan	$2,575	$2,560	+$15
Minnesota	$2,150	$2,015	+$135
Mississippi	$2,400	$2,290	+$110
Missouri	$2,270	$2,160	+$110
Montana	$2,175	$1,995	+$180
Nebraska	$2,150	$1,990	+$160
Nevada	$2,270	$2,335	−$65
New Hampshire	$1,715	$1,700	+$15
New Jersey	$2,495	$2,540	−$45
New Mexico	$2,185	$2,110	+$75
New York	$2,865	$2,880	−$15
North Carolina	$1,915	$1,870	+$45
North Dakota	$1,830	$1,675	+$155
Ohio	$1,745	$1,705	+$40
Oklahoma	$2,345	$2,210	+$135
Oregon	$1,915	$1,920	−$5
Pennsylvania	$2,175	$2,120	+$55
Rhode Island	$2,590	$2,630	−$40
South Carolina	$2,345	$2,305	+$40
South Dakota	$2,290	$2,015	+$275
Tennessee	$2,065	$2,015	+$50
Texas	$2,965	$2,825	+$140
Utah	$1,950	$1,960	−$10
Vermont	$1,690	$1,640	+$50
Virginia	$2,015	$1,985	+$30
Washington	$1,885	$1,895	−$10
West Virginia	$2,170	$2,050	+$120
Wisconsin	$1,740	$1,650	+$90
Wyoming	$2,310	$2,060	+$250

By driver profile (full coverage)

Driver	SL-Class	Taycan
Teen driver (18, own policy)	$6,410	$6,310
Young adult (22)	$3,730	$3,670
Adult in their 30s	$2,330	$2,295
Adult in their 50s	$2,145	$2,110
Senior (72)	$2,610	$2,570
30s, one at-fault accident	$3,380	$3,325
30s, DUI on record	$4,315	$4,245

More comparisons

Frequently asked questions

Is the Mercedes-Benz SL-Class or the Porsche Taycan cheaper to insure?

By our estimate the Porsche Taycan is cheaper, by about $35 a year for full coverage ($2,330 vs. $2,295) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Mercedes-Benz SL-Class and Porsche Taycan?

Mostly because of insurance-loss history: HLDI collision indices of 210 vs. 236 and comprehensive indices of 292 vs. 212 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page