Estimates, not quotes

Porsche 911 Insurance Cost in Colorado

Insuring a Porsche 911 in Colorado costs about $2,040 a year ($170/month) for full coverage by our estimate — +17% versus the same car nationally — the 6th most expensive of 51 states for this model.

Porsche 911 (photo from Wikimedia Commons)
Photo: Matti Blume, CC BY-SA 4.0
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

Porsche 911 insurance in Colorado at a glance

Full coverage
$2,040
$1,670–$2,405
25/50/15 minimum
$370
$31/mo
Same car nationally
$1,750
full coverage
Avg. car in CO
$1,820
+12% for the 911

The Porsche 911 is 12% more expensive than the average vehicle to insure in Colorado, reflecting HLDI collision losses of 198 and comprehensive losses of 165 (100 = average). Colorado's own base rates are 13% higher than the national average, which carries through to every model.

Colorado factors that affect 911 premiums

  • Uninsured drivers: 19.7% of Colorado drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 911.
  • Theft: 305 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Colorado's expected annual losses as relatively high for hail, relatively moderate for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.25 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Colorado →

Porsche 911 insurance cost in Colorado cities

CityFull coverageMinimumvs. state
Denver$2,275$415+12%
Colorado Springs$2,145$390+5%
Aurora$2,265$410+11%
Fort Collins$2,100$385+3%
Lakewood$2,250$410+10%
Thornton$2,355$430+15%
Arvada$2,245$410+10%
Westminster$2,275$415+12%
Greeley$2,165$395+6%
Pueblo$2,030$3750%
Centennial$2,260$410+11%
Boulder$2,105$385+3%
Longmont$2,215$405+9%

Porsche 911 insurance in Colorado by driver

Estimated annual Porsche 911 premium in Colorado
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,020 $1,480 $5,605 $467
Young adult (22) $595 $860 $3,260 $272
Adult in their 30s $370 $540 $2,040 $170
Adult in their 50s $340 $495 $1,875 $156
Senior (72) $415 $605 $2,285 $190
30s, one at-fault accident $540 $780 $2,955 $246
30s, DUI on record $685 $995 $3,770 $314

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $370 $31 $305–$440
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $540 $45 $440–$635
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,040 $170 $1,670–$2,405

Colorado minimum: 25/50/15 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Colorado

ModelFull coverage in COvs. 911
Lexus RC$1,950−4%
BMW M2$2,545+25%
Jaguar F-Type$2,470+21%
Mercedes-Benz SL-Class$2,865+40%

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Porsche 911 insurance cost in every state · All Porsche models

Frequently asked questions

How much is Porsche 911 insurance in Colorado?

About $2,040 a year ($170 a month) for full coverage and $370 for Colorado's minimum liability, for a driver in their 30s with a clean record. That is 17% more than the national estimate for the same car.

Is the Porsche 911 cheaper to insure than the average car in Colorado?

The average vehicle in Colorado is about $1,820 a year for full coverage in our model, so the Porsche 911 is 12% more expensive than average.

Where in Colorado is Porsche 911 insurance cheapest?

Among the largest Colorado cities, Pueblo has the lowest estimate (about $2,030) and Thornton the highest (about $2,355).

What insurance do I need for a Porsche 911 in Colorado?

Colorado requires at least 25/50/15 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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