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Porsche Panamera Insurance [Everything You Need to Know]

If you want to buy Porsche Panamera auto insurance coverage online then a policy will cost $177 per month ($2,118 per year) on average. Mature drivers with good driving records may find rates as low as $1,245 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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, but good drivers can save up to $873 a year in policy discounts. 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 auto insurance costs are $2,118 a year or $177 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 S60, Audi A8, and Audi S6.

Vehicle Comprehensive Collision Liability Total
Porsche Panamera $520 $1,042 $398 $2,118
Volvo S60 $332 $656 $398 $1,544
Audi A8 $464 $900 $390 $1,912
Audi S6 $444 $894 $398 $1,894
Lexus GS 300 $344 $656 $338 $1,474
Volvo S90 $356 $714 $398 $1,626
Mercedes-Benz CLS 550 $432 $952 $398 $1,940

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

The average Porsche Panamera car insurance rates are higher for newer models. For example, car 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

Driver Age

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

Driver Location

Where you live can have a large impact on Porsche Panamera insurance rates. For example, drivers in Houston may pay $1,561 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Porsche Panamera auto 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 Crash Test Ratings

Porsche Panamera crash test ratings can impact the cost of your Porsche Panamera car insurance. See Porsche Panamera crash test results below:

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

Porsche Panamera Safety Features

Having a variety of safety features on your Porsche Panamera can help lower your Porsche Panamera insurance costs. The Porsche Panamera’s safety features 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

Review the Porsche Panamera car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Porsche Panamera Insurance

You have more options at your disposal to save money on your Porsche Panamera car insurance costs. For example, try these five tips:

  • Consider Renting a Car Instead of Buying a Second Porsche Panamera
  • Remove Unnecessary Insurance Once Your Porsche Panamera is Paid Off
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Get Cheaper Porsche Panamera Car Insurance Rates as a Full-Time Parent
  • Never Drink and Drive Your Porsche Panamera

Top Porsche Panamera Insurance Companies

Who is the top auto insurance 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 auto 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

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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