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Porsche auto insurance: what you need to know.

There are a number of factors that impact your insurance rates and the vehicle you drive is a big one. Insurance rates will change depending on whether your car is new or used, how expensive the vehicle you drive is, and whether the make or model you drive is prone to theft.

Right off the bat, you should know that Porsche cars tend to be on the pricier side to insure. That’s no surprise, considering they are both expensive and fast.

With so many factors in play, it’s important to shop around to find the best insurance rates for your Porsche. This page aims to help you do just that. Let’s get started.

Your questions about Porsche auto insurance rates, answered.

How much does car insurance cost for a Porsche?

A multitude of variables determines how much you pay for car insurance. The car model you choose is one of them. We’ve run sample quotes for two of Porsche’s best-selling models so you can see at a glance how much you might end up paying. All prices are in Canadian dollars. 

We also included findings from the European New Car Assessment Programme (Euro NCAP), a European car safety performance assessment program, to give you a better sense of the safety rankings for each vehicle, as these can be significant when determining a vehicle’s insurance rates.


Porsche Cayenne

Estimated Premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Porsche Cayenne S 4DR$148.58/month$407.92/month
Male, age 30, Ontario2020 Porsche Cayenne S 4DR$151.67/month$426.33/month

About the Porsche Cayenne

  • Euro NCAP awarded the Porsche Cayenne a five-star safety rating. It’s important to note that the last time this model was evaluated by Euro NCAP was in 2017.
  • The safety of the adult occupant of the vehicle was given a grade of 95%, whereas the safety of the child occupant was given a grade of 80%.
  • Pedestrian impact protection was given a grade of just 73%, while safety assist equipment was graded at just 62%.
  • The price for this vehicle can range from $76,700 to $182,200.

Porsche Macan

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female (30) from Ontario2018 Porsche Macan 4DR AWD$113.50/month$336.75/month
Male (30) from Ontario2018 Porsche Macan 4DR AWD$116.50/month$351.58/month

About the Porsche Macan

  • The Porsche Macan was also awarded five stars by Euro NCAP in 2014.
  • The safety of the adult occupant was the vehicle’s highest-scoring category at 88%, with the safety of the child occupant a close second at 87%.
  • Pedestrian safety scored the lowest at just 60% and the quality of the safety assist equipment received a score of 66%.
  • The price of the Macan can vary from $56,100 to $99,000 depending on the package and trim.

How auto insurance quotes for Porsches are calculated

Beyond the car you drive, your personal driving history, as well as your age and gender, and your postal code, have a major impact on how much you pay each month for car insurance.

In order to run quotes, we had to create user personas: one male and one female.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors can influence your auto insurance rate

We’ve mentioned a lot of the vehicle-specific factors that will impact your insurance rates. However, there are dozens of different considerations insurance companies take into account when pricing your insurance.

At the end of the day, it’s the insurance company’s job to assess how risky it is to provide coverage to you. Some other factors they’ll look at include:

  • Your driving history: How often you get into trouble on the road will impact your rates. Traffic violations such as speeding, running red lights or distracted driving will all affect your insurance rates. Whether you’ve ever been in an accident and made a claim will also impact your rate. It’s important to drive safely; you could be denied insurance coverage from traditional insurers if you rack up too many tickets or are involved in several accidents. In that case, you might have to resort to expensive options such as facility insurance.
  • Type of auto insurance: The more comprehensive your coverage, the higher your premium will be.
  • Your location: Unfortunately, where you live can impact your insurance rates even if you’re a perfect driver. Insurance companies track how many claims happen in your area and price the risk accordingly. If your street tends to have frequent break-ins or there’s a dangerous intersection nearby, you could be charged higher insurance rates. Sometimes all it takes is moving one street over to get cheaper car insurance.
  • You: Yes, you. How old you are, your sex and even where you work or went to school can affect your rates. Insurers generally view younger people as riskier to insure, and they tend to charge men more than women. Finally, you may be eligible for alumni or professional association discounts on your auto insurance. Be sure to ask about these when speaking to an insurance company or broker.

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