Porsche Insurance Cost
Across 5 current Porsche models, full coverage averages about $1,858 a year by our estimate — +17% versus the average vehicle ($1,590).
Porsche insurance profile
Porsche is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 2 luxury sports cars, 2 luxury suvs, and 1 luxury car. HLDI collision losses for its models average 184 (100 = all-vehicle average).
Every Porsche model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Macan | Luxury SUV | 2015–2026 | 151 | $1,700 | +7% |
| 911 | Luxury sports car | 2005–2026 | 198 | $1,750 | +10% |
| Cayenne | Luxury SUV | 2005–2026 | 150 | $1,770 | +11% |
| Panamera | Luxury car | 2010–2026 | — | $1,775 | +12% |
| Taycan | Luxury sports car | 2020–2026 | 236 | $2,295 | +44% |
Older and discontinued Porsche models
- Cayman 2006–2025
- Boxster 2005–2025
- 918 Spyder 2015–2015
- Carrera GT 2005–2005
What makes Porsche insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 4 models range from 150 to 236, so the model you pick matters as much as the brand.
- Segment mix: 2 luxury sports car, 2 luxury suv, 1 luxury car.
Average Porsche insurance cost by state
Average full-coverage estimate across current Porsche models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,264 | −32% |
| Idaho | $1,316 | −29% |
| Vermont | $1,346 | −28% |
| Wisconsin | $1,365 | −27% |
| Hawaii | $1,368 | −26% |
| North Dakota | $1,371 | −26% |
| Indiana | $1,399 | −25% |
| New Hampshire | $1,406 | −24% |
| Ohio | $1,410 | −24% |
| Iowa | $1,415 | −24% |
| North Carolina | $1,535 | −17% |
| Kentucky | $1,592 | −14% |
| Washington | $1,593 | −14% |
| Oregon | $1,617 | −13% |
| Kansas | $1,634 | −12% |
| Nebraska | $1,638 | −12% |
| Montana | $1,643 | −12% |
| Utah | $1,650 | −11% |
| Virginia | $1,650 | −11% |
| South Dakota | $1,651 | −11% |
| Tennessee | $1,662 | −11% |
| Minnesota | $1,668 | −10% |
| Wyoming | $1,684 | −9% |
| West Virginia | $1,691 | −9% |
| Alaska | $1,698 | −9% |
| Illinois | $1,701 | −8% |
| Alabama | $1,734 | −7% |
| Pennsylvania | $1,749 | −6% |
| New Mexico | $1,753 | −6% |
| Missouri | $1,790 | −4% |
| Arkansas | $1,802 | −3% |
| Oklahoma | $1,822 | −2% |
| Massachusetts | $1,896 | +2% |
| Mississippi | $1,896 | +2% |
| South Carolina | $1,938 | +4% |
| California | $1,945 | +5% |
| Connecticut | $1,955 | +5% |
| Arizona | $1,978 | +6% |
| Delaware | $1,980 | +7% |
| Nevada | $1,984 | +7% |
| Maryland | $2,099 | +13% |
| Michigan | $2,121 | +14% |
| New Jersey | $2,145 | +15% |
| Rhode Island | $2,206 | +19% |
| Georgia | $2,217 | +19% |
| Colorado | $2,219 | +19% |
| Texas | $2,338 | +26% |
| New York | $2,424 | +30% |
| District of Columbia | $2,452 | +32% |
| Florida | $2,462 | +33% |
| Louisiana | $2,601 | +40% |
Frequently asked questions
How much does it cost to insure a Porsche?
Across 5 current Porsche models, our full-coverage estimate averages $1,858 a year for a driver in their 30s with a clean record, 17% more than the average vehicle ($1,590).
What is the cheapest Porsche to insure?
The Porsche Macan has the lowest estimate at about $1,700 a year for full coverage; the Porsche Taycan is the most expensive at about $2,295.
Are Porsche repairs expensive for insurers?
HLDI collision-loss data for 4 Porsche models averages 184 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Porsche?
By our estimates, Maine is the cheapest state (about $1,264 a year on average across current models) and Louisiana the most expensive (about $2,601).
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.