Compare Porsche Panamera Car Insurance Rates [2026]
Average Porsche Panamera auto insurance rates cost $177 per month ($2,118 per year). Shop around to find cheap Porsche Panamera insurance rates. On average, Porsche Panamera comprehensive insurance coverage costs $516, collision coverage costs $753, and liability coverage costs $598.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Updated December 2023
Key Takeaways:
- Full coverage costs around $2,118 a year or $177 each month
- A liability-only policy costs around $849 a year or $71 each month
- Highest rates are for teenage drivers at around $7,741 a year or $645 each month
- Good drivers can save as much as $873 a year by earning policy discounts
- Porsche Panamera insurance costs around $599 more per year than the average vehicle
The average Porsche Panamera car insurance rates cost drivers $2,118 a year, or around $177 a month. If you want to find affordable Porsche Panamera rates, all you have to do is know where to look.
Lucky for you, we’ve compiled this detailed article to help you on your way to finding the right Porsche Panamera insurance rates you can feel good about it.
You can start comparing quotes for Porsche Panamera car insurance rates from some of the best car insurance companies by using our free online tool now.
Porsche Panamera Insurance Cost
The average car insurance costs for a Porsche Panamera are $2,118 a year or $177 a month.
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Are Porsche Panameras Expensive to Insure?
The chart below details how Porsche Panamera insurance rates compare to other luxury cars like the Lexus ES 350, Audi A8, and Volvo S60.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Porsche Panamera | $520 | $1042 | $398 | $2,118 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Volvo S60 | $332 | $656 | $398 | $1,544 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| Chevrolet Corvette | $494 | $922 | $264 | $1,790 |
However, there are a few things you can do to find the cheapest Porsche insurance rates online.
What Impacts the Cost of Porsche Panamera Insurance?
The Porsche Panamera trim and model you choose can impact the total price you will pay for Porsche Panamera insurance coverage.
Age of the Vehicle
Older Porsche Panamera models generally cost less to insure. For example, auto insurance for a 2018 Porsche Panamera costs $2,118, while 2010 Porsche Panamera insurance costs are $1,624, a difference of $494.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Porsche Panamera | $520 | $1042 | $398 | $2,118 |
| 2017 Porsche Panamera | $502 | $1016 | $416 | $2,092 |
| 2016 Porsche Panamera | $484 | $974 | $430 | $2,046 |
| 2015 Porsche Panamera | $458 | $940 | $442 | $1,998 |
| 2014 Porsche Panamera | $440 | $872 | $452 | $1,922 |
| 2013 Porsche Panamera | $422 | $822 | $456 | $1,858 |
| 2012 Porsche Panamera | $406 | $736 | $460 | $1,760 |
| 2011 Porsche Panamera | $378 | $678 | $460 | $1,674 |
| 2010 Porsche Panamera | $366 | $636 | $464 | $1,624 |
Driver Age
Driver age can have a significant effect on the cost of Porsche Panamera car insurance. For example, 30-year-old drivers pay approximately $93 more for their Porsche Panamera car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Porsche Panamera insurance rates. For example, drivers in Los Angeles may pay $1,165 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on your Porsche Panamera car insurance rates. Teens and drivers in their 20’s see the highest jump in their Porsche Panamera car insurance with violations on their driving record.
Porsche Panamera Safety Features
The Porsche Panamera safety features can help lower insurance costs. According to AutoBlog, the 2020 Porsche Panamera has the following safety features:
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- ParkAssist Front And Rear Parking Sensors
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts -inc: Height Adjusters and Pretensioners
- Back-Up Camera
Porsche Panamera Insurance Loss Probability
The Porsche Panamera’s insurance loss probability varies between different coverage types. The lower percentage means lower Porsche Panamera auto insurance costs; higher percentages mean higher Porsche Panamera auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | 136% |
|---|---|
| Property Damage | -6% |
| Comprehensive | 165% |
| Personal Injury | -43% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Porsche Panamera Finance and Insurance Cost
If you are financing a Porsche Panamera, most lenders will require your carry higher Porsche Panamera coverage options including comprehensive coverage, so be sure to shop around and compare Porsche Panamera auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Porsche Panamera Insurance
There are several ways you can save even more on your Porsche Panamera car insurance rates. Take a look at the following five tips:
- Make Sure You’re Raising a Safe Driver
- Wait Six Years for Accidents to Disappear from Your Record
- Spy on Your Teen Driver
- Compare Apples to Apples When Comparing Porsche Panamera Insurance Quotes and Policies
- Move to an Area with a Lower Cost of Living
Top Porsche Panamera Insurance Companies
Who is the best company for Porsche Panamera insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Porsche Panamera insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Porsche Panamera offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Porsche Panamera Insurance Quotes Online
You can start comparing quotes for Porsche Panamera car insurance rates from some of the best car insurance companies by using our free online tool now.
Frequently Asked Questions
What factors affect Porsche Panamera car insurance rates?
Several factors can influence the insurance rates for a Porsche Panamera, including the driver’s age, driving history, location, coverage options, deductible amount, and the specific model and year of the Panamera.
Is car insurance for a Porsche Panamera more expensive compared to other cars?
Generally, insuring a Porsche Panamera can be more expensive compared to average cars due to its high-performance nature, luxury status, and potential repair costs. However, the exact insurance rates can vary depending on individual circumstances and insurance providers.
Are there any discounts available for insuring a Porsche Panamera?
Yes, many insurance companies offer various discounts that may be applicable to insuring a Porsche Panamera. These can include multi-car discounts, safe driver discounts, bundling policies, and security device discounts. It’s best to check with individual insurance providers to see what discounts they offer.
Does the age of the Porsche Panamera affect insurance rates?
Yes, the age of the vehicle can impact insurance rates. Newer Porsche Panamera models may have higher insurance rates due to their higher market value and potentially higher repair costs. As the vehicle gets older, insurance rates may decrease.
How can I find the best insurance rates for my Porsche Panamera?
To find the best insurance rates for your Porsche Panamera, it’s important to compare quotes from multiple insurance providers. You can do this by contacting insurance companies directly or by using online comparison tools. Additionally, consider factors such as coverage options, deductibles, and customer reviews when evaluating insurance providers.
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