Porsche car insurance

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1Correct as of March 2024

How much does it cost to insure a Porsche?

The average cost of comprehensive insurance for some of the most popular Porsche models are:

Model Average price*
Porsche Macan S D (262)
Porsche Boxter
Porsche Macan S
Porsche Cayenne D
Porsche Cayman

1Based on Confused.com data November 2023 - April 2024

What affects the price of car insurance?

Car insurance companies base cost on several risk factors, including:

Your age: Older drivers normally have more experience on the road than young drivers. This means they're statistically less likely to be in accidents, so they often benefit from cheaper insurance.

Your occupation: Some occupations are considered risky by insurers. This can be because you spend more time on the road or are likely to park in locations where your car is at risk of damage or theft. It can also be because of the types of people you're likely to associate with.

Your car: Insurers categorise cars into groups from 1-50. The higher the insurance group, the more you'll pay for insurance. Porsches are expensive, powerful cars and it can be costly to repair or replace them. Because of this, models tend to fall into groups 35-50 and cost more to insure. You'll also pay more if your car has any modifications.

Where you live: Living in busy areas with high rates of vehicle theft will mean you'll pay more for car insurance compared to quiet areas with lower risk.

Your driving history: Previous claims and convictions may increase the price you pay.

How can I save money on my Porsche car insurance?

Insurers base their prices on risk

But, this doesn't mean there aren't still ways to save money. There are several things you can do to help get cheaper car insurance:

Increase your voluntary excess

Selecting a higher voluntary excess will mean you may pay less for your car insurance. But you should make sure you set it at a level you can afford if you need to pay. Don't forget to consider the compulsory excess, as you'll need to pay this too.

Improve your car's security

Adding features like alarms, car trackers and immobilisers. Parking in a secure garage and using a steering wheel lock can also deter thieves.

Build up your no-claims bonus (NCB)

Each year you drive without making a claim, you get a year added to your NCB. The more NCB you've built up, the bigger the discount you could get on your insurance. Some policies allow you to protect your NCB, so you can make a certain number of claims in a year without affecting your discount.

Pay annually rather than monthly

Insurers add interest and admin fees when you choose to pay monthly. So, by opting to pay annually you could save on your car insurance.

Shop around and compare quotes

You don't have to accept the renewal price your insurer offers. Opting to shop around instead of auto-renewing is the easiest way to ensure you're getting the best price for your Porsche insurance.

Estimate your mileage accurately

The more miles you drive, the higher your insurance will cost. Having an accurate estimate when getting a quote means you'll only be paying for the miles you actually drive. On average, our customers drive 6,600 miles per year2. If you don't drive many miles, you might benefit from a pay-as-you-gopolicy.

2Based on Confused.com data, December - February 2024.

What types of insurance can I get for my Porsche?


Third-party insurance is the minimum level of insurance needed to drive in the UK. It covers you for damage to someone else's property or if you cause them injuries while driving. It won't cover your own car against damage or theft.

Third-party, fire and theft

Third-party, fire and theft covers everything included with third-party insurance, but also includes cover for your Porsche if it's stolen or damaged by fire. The average cost of third-party, fire and theft insurance is £1,009*.


Comprehensive insurance is the highest level of cover. It includes everything offered by third-party, fire and theft, but also covers your car following an accident. Despite offering the most cover, comprehensive insurance is often the cheapest.

What optional add-ons can I get with my Porsche insurance?

The optional extras you choose to add to your car insurance policy will depend on what you need. Some common choices are:

Breakdown cover is often offered at different levels. The cover you get will depend on the level you choose. This can range from roadside assistance or home start, to national recovery or European cover.

Windscreen cover will cover the cost of replacing a cracked or broken windscreen following an accident.

Motor legal protection will cover the cost of any legal expenses following an accident. This can include the cost of a solicitor, medical expenses, travel and accommodation costs.

Personal accident cover will pay out if you suffer a serious injury or die as the result of an accident.

Courtesy car cover means you can get a replacement car while your Porsche is in for repairs.

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Page last reviewed: 24/04/2024

Reviewed by: Louise Thomas