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How to Find Cheap Porsche Panamera Insurance Quotes

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 $599 more expensive than the average vehicle. Full coverage costs $2,118 per year or $177 per month. You can save up to $873 per year through policy discounts. Continue reading to learn how you can save money on Porsche Panamera insurance rates.

You can start comparing quotes for Porsche Panamera auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Porsche Panamera Insurance Cost

The average Porsche Panamera auto insurance rates are $2,118 a year or $177 a month.

Are Porsche Panameras Expensive to Insure?

The chart below details how Porsche Panamera insurance rates compare to other luxury cars like the Infiniti Q70, Lexus GS 350, and Lexus IS 300.

Vehicle Comprehensive Collision Liability Total
Porsche Panamera $520 $1042 $398 $2,118
Infiniti Q70 $370 $774 $338 $1,618
Lexus GS 350 $370 $714 $338 $1,558
Lexus IS 300 $356 $686 $398 $1,598
Lexus ES 350 $362 $656 $316 $1,470
Mercedes-Benz C300 $404 $718 $372 $1,652
Mercedes-Benz S450 $494 $982 $398 $2,032
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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 auto 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 the 2010 Porsche Panamera rates 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
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Driver Age

Driver age can have a significant effect on Porsche Panamera auto insurance rates. For example, 30-year-old drivers pay $93 more for Porsche Panamera auto 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 the cost of Porsche Panamera auto insurance. Teens and drivers in their 20’s see the highest jump in their Porsche Panamera auto insurance with violations on their driving record.

Porsche Panamera Safety Ratings

Your Porsche Panamera auto insurance rates are tied to the Porsche Panamera’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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Porsche Panamera Crash Test Ratings

Good Porsche Panamera crash test ratings mean the VW is safer, which could mean cheaper Porsche Panamera auto 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

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:

  • 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 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.

5 Ways to Save on Porsche Panamera Insurance

You have more options at your disposal to save money on your Porsche Panamera auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Porsche Panamera auto insurance rates

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Park Your Porsche Panamera Somewhere Safe – like a Garage or Private Driveway
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Understand the Different Types of Auto Insurance for Your Porsche Panamera
  • Compare Auto Insurance Companies After Moving

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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Compare Free Porsche Panamera Insurance Quotes Online

You can start comparing quotes for Porsche Panamera auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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