How Much is Insurance on a Porsche Panamera?

Porsche Panamera insurance quotes average at $177 a month, but sports car insurance can vary by state and by driver. Start shopping around for Porsche Panamera insurance coverage with this guide. State Farm and GEICO are the most popular insurance companies, but you can find cheap Porsche Panamera insurance rates when you use our free comparison tool below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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

Porsche Panamera insurance rates are around $599 more a year than the average vehicle, owing partly to the high MSRP. Full coverage for your Porsche Panamera costs around $2,118 a year or $177 a month.

Good drivers can save up to $873 a year in policy discounts by practicing safe driving habits. Let’s look at Porsche Panamera insurance rates, insurance loss rates, and more.

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 Porsche Panamera car insurance rates 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 Volvo S90, Mercedes-Benz E300, and Audi A4.

Vehicle Comprehensive Collision Liability Total
Porsche Panamera $520 $1,042 $398 $2,118
Volvo S90 $356 $714 $398 $1,626
Mercedes-Benz E300 $394 $744 $338 $1,612
Audi A4 $332 $656 $398 $1,544
Audi S7 $532 $1,250 $398 $2,338
Volvo S60 $332 $656 $398 $1,544
Lexus IS 350 $344 $686 $398 $1,586
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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?

You might have noticed that there is a multitude of factors that impact Porsche Panamera car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Porsche Panamera.

Age of the Vehicle

Older Porsche Panamera models generally cost less to insure. For example, auto insurance rates for a 2018 Porsche Panamera are $2,118, while 2010 Porsche Panamera rates are $1,624, a difference of $494.

Model Year Comprehensive Collision Liability Total
2018 Porsche Panamera $520 $1,042 $398 $2,118
2017 Porsche Panamera $502 $1,016 $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
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Driver Age

Driver age can have a significant impact on Porsche Panamera auto insurance rates. For example, 20-year-old drivers pay approximately $2,591 more each year for their Porsche Panamera auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Porsche Panamera insurance rates. For example, drivers in New York may pay $550 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Porsche Panamera auto insurance. 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 Crash Test Ratings

Porsche Panamera crash test ratings will affect your Porsche Panamera car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Porsche Panamera Turbo Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera Turbo S E-Hybrid Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera Turbo S E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera Turbo S E-Hybrid 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera Turbo Executive 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera Turbo 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera GTS Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera GTS 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 5 HB RWD N/R N/R N/R N/R
2020 Porsche Panamera 4S Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera 4S Executive 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 4S 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 Executive 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 E-Hybrid Sport Turismo SW AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 E-Hybrid 5 HB AWD N/R N/R N/R N/R
2020 Porsche Panamera 4 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo Sport Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo S E-HybridSport Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo S E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo S E-Hybrid 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo Executive 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera Turbo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera GTS Sport Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera GTS 5HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 5 HB RWD N/R N/R N/R N/R
2019 Porsche Panamera 4S Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4S Executive 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4S 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 Sport Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 Executive 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 E-Hybrid Sport Turismo 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 E-Hybrid 5 HB AWD N/R N/R N/R N/R
2019 Porsche Panamera 4 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo Sport Turismo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo S E-HybridSport Turismo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo S E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo S E-Hybrid 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo Executive 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera Turbo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 5 HB RWD N/R N/R N/R N/R
2018 Porsche Panamera 4S Turismo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4S Executive 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4S 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 Sport Turismo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 Executive 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 E-Hybrid Sport Turismo 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 E-Hybrid 5 HB AWD N/R N/R N/R N/R
2018 Porsche Panamera 4 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera Turbo Executive 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera Turbo 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 5 HB RWD N/R N/R N/R N/R
2017 Porsche Panamera 4S Executive 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 4S 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 4 Executive 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 4 E-Hybrid Executive 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 4 E-Hybrid 5 HB AWD N/R N/R N/R N/R
2017 Porsche Panamera 4 5 HB AWD N/R N/R N/R N/R
2016 Porsche Panamera Turbo S Executive 5 HB AWD N/R N/R N/R N/R
2016 Porsche Panamera Turbo S 5 HB AWD N/R N/R N/R N/R
2016 Porsche Panamera Turbo Executive 5 HB AWD N/R N/R N/R N/R
2016 Porsche Panamera Turbo 5 HB AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Porsche Panamera Safety Features

Porsche Panamera safety features can lower the cost of your insurance. The safety features for the 2020 Porsche Panamera include:

  • LED main headlights including Porsche Dynamic Light System (PDLS)
  • LED main headlights with matrix beam including Porsche Dynamic Light System Plus (PDLS Plus)
  • Night View
  • Porsche Ceramic Composite Brake (PCCB)

Porsche Panamera Insurance Loss Probability

The Porsche Panamera’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Porsche Panamera, others are more favorable and lead to lower insurance rates.

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
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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 rates from the best companies using our FREE tool below.

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Ways to Save on Porsche Panamera Insurance

There are many ways that you can save on Porsche Panamera car insurance. Below are five actions you can take to find cheap Porsche Panamera auto insurance rates.

  • Ask About Farm and Ranch Vehicle Discounts
  • Get Cheaper Porsche Panamera Car Insurance Rates as a Full-Time Parent
  • Buy An Older Porsche Panamera
  • Consider Porsche Panamera Insurance Costs Before Buying a Porsche Panamera
  • Don’t Always Pick the Cheapest Porsche Panamera Insurance Policy

Top Porsche Panamera Insurance Companies

The best auto insurance companies for Porsche Panamera car insurance rates will offer competitive rates, discounts, and account for the Porsche Panamera’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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Compare Free Porsche Panamera Insurance Quotes Online

Save on your Porsche Panamera car insurance rates by taking advantage of our FREE comparison tool.

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