Porsche 911 vs Mercedes-Benz SL-Class Insurance Cost
The Porsche 911 is cheaper to insure by about $580 a year for full coverage by our estimate ($1,750 vs. $2,330), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Porsche 911 | Mercedes-Benz SL-Class | Difference |
|---|---|---|---|
| State minimum | $350 | $500 | −$150 |
| Standard (100/300/100) | $505 | $725 | −$220 |
| Full coverage | $1,750 | $2,330 | −$580 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 911 minus SL-Class.
Why one costs more to insure
| Factor | Porsche 911 | Mercedes-Benz SL-Class |
|---|---|---|
| Segment | Luxury sports car | Luxury sports car |
| Powertrains | Gasoline | Gasoline, Hybrid, Plug-in hybrid |
| HLDI collision (100 = avg) | 198 | 210 |
| HLDI comprehensive | 165 | 292 |
| HLDI property damage liability | 23 | 64 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the Mercedes-Benz SL-Class has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Porsche 911.
911 vs SL-Class insurance by state
By driver profile (full coverage)
| Driver | 911 | SL-Class |
|---|---|---|
| Teen driver (18, own policy) | $4,810 | $6,410 |
| Young adult (22) | $2,800 | $3,730 |
| Adult in their 30s | $1,750 | $2,330 |
| Adult in their 50s | $1,610 | $2,145 |
| Senior (72) | $1,960 | $2,610 |
| 30s, one at-fault accident | $2,535 | $3,380 |
| 30s, DUI on record | $3,235 | $4,315 |
More comparisons
Frequently asked questions
Is the Porsche 911 or the Mercedes-Benz SL-Class cheaper to insure?
By our estimate the Porsche 911 is cheaper, by about $580 a year for full coverage ($1,750 vs. $2,330) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Porsche 911 and Mercedes-Benz SL-Class?
Mostly because of insurance-loss history: HLDI collision indices of 198 vs. 210 and comprehensive indices of 165 vs. 292 (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.