+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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The average overall monthly cost for Porsche Panamera insurance is $221, which is about 33% higher than the national average.
USAA is the cheapest Panamera insurer, with an average monthly premium of $110.
A Porsche Panamera costs more to insure than standard vehicles, likely because it’s a luxury, high-performance vehicle with expensive parts and repair costs.
When you’re looking for Porsche Panamera insurance, you’ll notice rates can vary quite a bit depending on the type of policy you choose.
Liability-only policies offer the basics, covering injuries to other people and their property if you’re at fault, but they don’t cover your Porsche. Full coverage combines liability, collision, and comprehensive coverage. Collision kicks in if you hit another vehicle or object, while comprehensive covers things like fire, theft, vandalism, and weather-related damage.[1]
Here’s how average Panamera insurance rates compare to all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Porsche Panamera | $154 | $288 | $221 |
| All vehicles | $116 | $216 | $166 |
Porsche Panamera car insurance costs around 33% more than the average vehicle.
Next, we’ll break down some of the cheapest insurers for Porsche Panamera drivers and how various factors, such as age, driving history, and location, affect insurance pricing.
Compare personalized quotes from dozens of insurers in minutes.
Your Panamera insurance premium can vary widely depending on which insurance company you pick. That’s because each company uses different formulas to weigh risk factors.
Check out the table below for a list of the cheapest car insurance companies for the Porsche Panamera, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $131 |
| Allstate | $146 |
| GEICO | $162 |
| American Family | $168 |
| Progressive | $195 |
| Nationwide | $203 |
| Travelers | $214 |
| Farmers | $256 |
| Liberty Mutual | $323 |
Here are more details about the top three cheapest insurers and why they stand out for Panamera owners.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Military members, veterans, and their immediate families can qualify for some of the cheapest Panamera car insurance rates from USAA. The insurer doesn’t offer many optional coverages, but it does offer car replacement assistance.
Plus, if you total your vehicle or someone steals it, this coverage can increase your payout by 20% of your Panamera’s value, even if you’ve already paid off your vehicle.
Cheapest Panamera rates
Offers car replacement assistance coverage
Only available to military members and family
Few available add-ons
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you prefer local, personalized service from an insurance agent, State Farm has a vast network of local agents to choose from. Safe drivers can save with discounts for being accident-free, completing a state-approved defensive driver course, being a loyal customer, and tracking trips through the Drive Safe & Save telematics program.
Large network of insurance agents
Multiple safe driver discounts available
Not available in Massachusetts or Rhode Island
Gap insurance not available
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is the third-cheapest insurer for the Panamera, on average, and offers a wide range of coverage options and discounts to help lower your rates even more. And if you’re nearing the end of your Porsche warranty, Allstate can provide extended warranty coverage up to seven years and 100,000 miles.
The age of your Porsche Panamera plays a big part in what you pay for auto insurance. Newer models usually cost more to insure because they’re worth more and come with pricier repairs, while older ones have lower insurance costs as they lose value.
Below, you can see how rates change by model year, according to Compare.com data.
Panamera Model Year | Average Monthly Premium |
|---|---|
| 2026 | $262 |
| 2025 | $267 |
| 2024 | $267 |
| 2023 | $265 |
| 2022 | $266 |
| 2021 | $255 |
| 2020 | $245 |
| 2019 | $239 |
| 2018 | $231 |
| 2017 | $227 |
| 2016 | $221 |
| 2015 | $217 |
| 2014 | $213 |
| 2013 | $202 |
| 2012 | $196 |
| 2011 | $190 |
| 2010 | $188 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $156 |
| Allstate | $173 |
| GEICO | $192 |
| American Family | $199 |
Company | Average Monthly Premium |
|---|---|
| USAA | $133 |
| State Farm | $158 |
| Allstate | $176 |
| GEICO | $196 |
| American Family | $203 |
Company | Average Monthly Premium |
|---|---|
| USAA | $133 |
| State Farm | $158 |
| Allstate | $176 |
| GEICO | $196 |
| American Family | $203 |
Company | Average Monthly Premium |
|---|---|
| USAA | $132 |
| State Farm | $157 |
| Allstate | $175 |
| GEICO | $195 |
| American Family | $202 |
Company | Average Monthly Premium |
|---|---|
| USAA | $132 |
| State Farm | $158 |
| Allstate | $176 |
| GEICO | $195 |
| American Family | $202 |
Company | Average Monthly Premium |
|---|---|
| USAA | $127 |
| State Farm | $152 |
| Allstate | $169 |
| GEICO | $187 |
| American Family | $194 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $146 |
| Allstate | $162 |
| GEICO | $180 |
| American Family | $186 |
Company | Average Monthly Premium |
|---|---|
| USAA | $119 |
| State Farm | $142 |
| Allstate | $158 |
| GEICO | $176 |
| American Family | $182 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $137 |
| Allstate | $152 |
| GEICO | $169 |
| American Family | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $112 |
| State Farm | $134 |
| Allstate | $149 |
| GEICO | $166 |
| American Family | $172 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $131 |
| Allstate | $146 |
| GEICO | $162 |
| American Family | $168 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $128 |
| Allstate | $143 |
| GEICO | $159 |
| American Family | $164 |
Where you live can play a big role in how much you pay for a Porsche Panamera insurance policy. State rules, traffic levels, repair costs, and even weather risks all shape your monthly premium.[4]
The map below breaks down average rates by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $202 |
| Alaska | $198 |
| Arizona | $245 |
| Arkansas | $251 |
| California | $315 |
| Colorado | $307 |
| Connecticut | $403 |
| Delaware | $367 |
| Florida | $319 |
| Georgia | $386 |
| Hawaii | $202 |
| Idaho | $158 |
| Illinois | $231 |
| Indiana | $200 |
| Iowa | $158 |
| Kansas | $226 |
| Kentucky | $288 |
| Louisiana | $304 |
| Maine | $226 |
| Maryland | $439 |
| Massachusetts | $223 |
| Michigan | $329 |
| Minnesota | $254 |
| Mississippi | $212 |
| Missouri | $270 |
| Montana | $220 |
| Nebraska | $215 |
| Nevada | $372 |
| New Hampshire | $132 |
| New Jersey | $388 |
| New Mexico | $214 |
| New York | $287 |
| North Carolina | $136 |
| North Dakota | $180 |
| Ohio | $184 |
| Oklahoma | $262 |
| Oregon | $219 |
| Pennsylvania | $242 |
| Rhode Island | $338 |
| South Carolina | $361 |
| South Dakota | $212 |
| Tennessee | $206 |
| Texas | $332 |
| Utah | $223 |
| Vermont | $226 |
| Virginia | $276 |
| Washington | $256 |
| Washington D.C. | $479 |
| West Virginia | $229 |
| Wisconsin | $177 |
| Wyoming | $157 |
Your age plays a significant role in the cost of Porsche Panamera insurance coverage, since insurers consider driving experience and accident risk. Younger drivers, especially teens, pay the most, with rates usually dropping substantially in your 20s and 30s as long as you maintain a clean driving record.[5]
The table below shows average insurance premiums for the Panamera by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $426 |
| Adults | $210 |
| Seniors | $188 |
Porsche Panamera car insurance rates are highest for young drivers because they’re at the greatest risk of a crash. Teens and drivers younger than 25 have accident rates several times higher than older drivers, and they file more claims than any other age group.[6] That said, companies weigh age differently, so comparing quotes can help you find lower rates.
Check out the table below for the cheapest insurance companies for Panamera drivers younger than 25, according to our data.
Seniors typically pay the lowest Porsche Panamera insurance rates because they drive fewer miles and tend to avoid risky driving behaviors, such as speeding, that can lead to accidents. Some companies also offer senior-specific discounts to help the age group save even more on car insurance.[7]
The following chart shows average costs from the cheapest car insurance companies for senior Panamera drivers, based on Compare.com data.
Your driving record has a significant effect on your car insurance costs because insurers use past behavior to determine your likelihood of filing a claim.[5] A single speeding ticket can raise your rates by an average of 34%, while a DUI can increase your insurance cost by around 61%, according to our research.
Let’s take a look at the table below to see how average rates for the Porsche Panamera differ by driving record, based on our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $221 |
| Speeding ticket | $296 |
| At-fault accident | $316 |
| DUI | $355 |
Panamera rates are substantially higher after an accident or DUI than for drivers with a clean record.
Speeding tickets increase crash risk and severity, which is why you’ll usually pay more for Porsche Panamera insurance after a ticket. Your rates may be even higher if you drive 10 mph or more over the speed limit, as that increases the risk of injury to others.[8]
But how companies calculate rates and weigh tickets differ, so comparing car insurance quotes can limit the impact on your premium after a ticket. Here’s a list of the cheapest companies for Panamera drivers after a speeding ticket, according to our data.
Causing an accident will usually raise your Porsche Panamera insurance costs even higher than a speeding ticket. Rates are typically higher for at least three years, though it varies by insurance company.[9] Comparing quotes can help you determine which insurers offer the best rates for drivers after an at-fault accident.
Check out the chart below to see which insurance companies offer the cheapest rates for Panamera drivers after an at-fault accident, according to Compare.com data.
A DUI triggers the steepest rate increase of any driving infraction because impaired driving dramatically increases crash risk and fatality rates. Drunk driving accounted for 30% of all U.S. traffic fatalities in 2023.[10]
Although insurers significantly raise insurance costs, some specialize in high-risk drivers, so shopping around can help.
Below is a chart showing the cheapest insurance companies for Panamera drivers with a DUI conviction, based on our data.
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High-end luxury and sports cars like the Panamera have several traits that make their average cost higher than other vehicles:
Vehicle value and repair costs: The 2026 Porsche Panamera has a manufacturer’s suggested retail price (MSRP) of $112,450, is expensive to repair, and retains its value well.[11] All these factors mean insurers will pay more for claims, which will cause you to pay higher car insurance rates.
High-performance vehicle: Insurers may consider the Panamera a higher risk for serious accidents due to its powerful engine and high-performance capability. They may account for this in your monthly premium.
Safety features: The Panamera comes with standard safety features like forward collision warning and blind-spot monitoring, which can qualify you for a discount.
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Insuring a Panamera can be expensive, but these strategies can help you save on your auto insurance policy:
Raise your deductible. A higher deductible lowers your monthly premium, since you pay more out of pocket if you file a claim.
Consider pay-per-mile insurance. If you don’t drive your Panamera often, a usage-based or pay-per-mile car insurance policy may help lower your insurance costs.
Bundle your policies. Get a multi-policy discount and save up to 25% on your premiums by bundling auto with renters or home insurance.
Protect your investment. Higher coverage limits help protect your assets if someone sues you. Coverage options like new-car replacement and accident forgiveness can help you avoid paying extra for replacement costs or higher rates if you total your Panamera or cause an accident.
Comparing car insurance quotes can save you up to $867
The following information can help answer common questions people ask about car insurance for your Porsche Panamera.
Yes. The Panamera is one of the most expensive Porsche models to insure, with an average of $221 per month, according to Compare.com data. For example, the Porsche Boxster, Cayenne, Cayman, and Macan are all cheaper to insure, on average, than the Panamera. And insuring the Panamera is much more expensive than the national average of $166 per month.
The cheapest insurance company for a Porsche Panamera is USAA. Its average monthly premium is $110 per month, according to Compare.com data. For comparison, the national average cost of car insurance for the Panamera is $221 per month.
Car insurance for a 2026 Porsche Panamera is $262 per month, according to Compare.com data. Rates typically get cheaper for Porsche vehicles as they depreciate with age.
The cheapest Porsche to insure is the Boxster, at around $139 per month, according to Compare.com data. The Cayman and Cayenne come behind it, at around $160 and $197 per month, respectively.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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