Compare Porsche Panamera Insurance Quotes

If you want to buy inexpensive Porsche Panamera insurance coverage then you should know that a policy will cost $177 per month ($2,118 per year) on average. You can find cheap Porsche Panamera insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $1,245 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 expensive. Porsche Panamera insurance costs around $599 more per year than the average vehicle. Don’t let these rates discourage you, though. Understanding Porsche Panamera insurance factors can help you save on your rates.

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 BMW M3, Audi S7, and Cadillac CT6.

Vehicle Comprehensive Collision Liability Total
Porsche Panamera $520 $1042 $398 $2,118
BMW M3 $406 $804 $398 $1,766
Audi S7 $532 $1250 $398 $2,338
Cadillac CT6 $382 $774 $398 $1,712
Lexus IS 300 $356 $686 $398 $1,598
Audi A4 $332 $656 $398 $1,544
Audi S6 $444 $894 $398 $1,894
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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

The average Porsche Panamera auto insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant impact on the cost of Porsche Panamera auto insurance. For example, 20-year-old drivers pay as much as $2,684 more each year for their 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 New York may pay $1,292 a year more than drivers in Seattle.

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 Safety Ratings

Your Porsche Panamera car insurance rates are tied to the safety ratings of the Porsche Panamera. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
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 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

Most drivers don’t realize that not only do Porsche Panamera safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Porsche Panamera auto insurance rates. The Porsche Panamera’s safety features include:

  • Anti-Lock Brakes
  • Forward Collision Warning
  • Automatic Emergency Braking
  • Stability Control
  • Front-Impact Airbags
  • Side-Impact Airbags
  • Overhead Airbags
  • Knee Airbags
  • Seatbelt Pretensioners
  • Security System

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 coverages including comprehensive coverage, so be sure to compare Porsche Panamera car insurance rates from the best companies using our FREE tool below.

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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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Porsche Panamera car insurance rates

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Compare Insurance Companies After Moving
  • Ask About Loyalty Discounts
  • Audit Your Porsche Panamera Driving When You Move to a New Location or Start a New Job

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 insurance from some of the top car insurance companies by using our free online tool today.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
2014
2013
2012
2011

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Optional

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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