Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • The Porsche brand is most often associated with prestige, luxury, class and style, but for many who own a Porsche, insurance is a huge concern
  • Porsche is one of top stolen sports car, which makes auto insurance rates high
  • If you have a clean driving record and are of a certain age, chances are good that you will be able to find cheap Porsche car insurance

The Porsche brand is most often associated with prestige, luxury, class and style, but for many who own a Porsche, insurance is a huge concern.

You want to make sure that your car is as pristine and stylish every day as on the day you bought it, and if something happens you want to make sure you’re properly compensated.

Porsches are high-class cars marketed to upper class individuals who may not worry about the prices they pay for Porsche car insurance.

However, it is always important to do your research so you can pay the lowest price for the best product, no matter how wealthy you are.

Find the Porsche car insurance by comparing car insurance quotes for FREE quote tool above! 

You would be best served by knowing the general price ranges and services for different insurance plans when purchasing a Porsche. We can help you figure out your ideal Porsche car insurance.

Car Insurance Overview

Car insurance rates for Porsches tend to match their purchase price. Because the car is so expensive, chances are the insurance will be as well.

For instance, the Porsche 911 has consistently been ranked as one of the most expensive vehicles to insure on the road.

In 2009, the 911’s average premium was $1,819, number ten on the “Most Expensive Insurance Policies” list.

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Reasons for High Porsche Insurance Prices

Some of the elements behind the high price of Porsche car insurance are:

  • High rate of theft
  • High rate of accidents
  • Greater tendency for owners to purchase extra insurance policies
  • High cost of the car
  • Small size and low safety ratings

How to Reduce Porsche Theft Rates

The Porsche 911 and other cars are extremely attractive for people who want their cars to show off bling and sex appeal. If you live in an area of high crime and you own a Porsche, chances are your car will be vandalized or stolen at some point.

Remember that if your car is stolen once, you may have to pay higher insurance rates for the rest of your life.

In order to keep your theft rates under control, always park your car in a safe area, even if it means parking it farther from your home.

Keep your car parked in a well-lit area at night, and try to keep it in a garage at home if you can. Always make sure that you’ve locked your door, and invest in various anti-theft devices such as a club to lock the wheel.

Tracking devices may help you retrieve your car if, despite your best efforts, someone still manages to steal your Porsche. After all, you don’t want your car making the most stolen cars list!

About Porsche Accident Rates

Porsches are sporty little cars built for speed, not durability. Dangerous driving is more common among Porsche owners than it is among the owners of most cars, meaning that insurance rates are likely to be higher.

While the temptation is there to drive your Porsche as fast as it can go, stay safe.

The Porsche 911 is rated a 24 by the International Organization of Standardization, meaning that it leads the way in serious collision accidents and high Porsche car insurance premiums around the world.

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Extra Porsche Car Insurance Policies

When you buy your Porsche, you may opt to purchase improved Porsche car insurance. While most insurance policies cover around $30,000-50,000 for damages, if you’re driving a $200,000 vehicle you may want to purchase additional policies.

Standard liability coverage will not help you if your car is stolen, for instance, or if severe weather damages your car.

You should purchase extra comprehensive, collision and uninsured motorist coverage if you want to best protect your investment in a prestigious vehicle such as a Porsche.

About Porsche Safety Ratings

Porsches are rated as small autos and convertibles, which makes them masters at ducking and weaving or outrunning all the other cars on the road.

Unfortunately, despite the craftsmanship that goes into these expensive toys, Porsches will not survive a direct collision with a larger vehicle such as a pickup truck, SUV or crossover.

Because these cars are so popular on the road, Porsches are seen as a liability for car insurance companies.

This is the final reason they tend to charge an arm and a leg for Porsche car insurance. You would do well to sign up with a company that offers a good driver discount, which decreases your premiums for every year you avoid getting into an accident.

If you can prove that you are a safe driver, your Porsche insurance might cost a lot less.

How to Look for Porsche Car Insurance

Chances are, if you’re wealthy enough to purchase a Porsche, Porsche car insurance payments won’t be such a big deal.

Most people who own Porsches have a net worth of at least $1 million, cutting out the vast majority of younger drivers. Young drivers tend to have higher car insurance premiums because they tend to be more reckless drivers.

If you have a clean driving record and are of a certain age, chances are good that you will be able to find cheap Porsche car insurance.

Simply do your research and check different companies against one another. Some companies weigh the make and model of a car less heavily than information about the driver when it comes to analyzing risk and determining premium rates.

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You can use our services to determine which companies provide the best Porsche car insurance rates. Simply plug in your information and compare the perks and rates of each car insurance provider.

You chose your Porsche because it was the best of the best and because it represented exactly the kind of presence you wanted to have on the road.