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Porsche car insurance

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About Porsche

Porsche AG, founded in 1931 by Ferdinand Porsche, is a German automobile manufacturer headquartered in Stuttgart, Baden-Württemberg, Germany. Known for its high-performance sports cars, SUVs, and sedans, Porsche has become a symbol of luxury, speed, and engineering excellence.

For Porsche owners in the UK, specialized car insurance options are available to ensure comprehensive coverage tailored to the unique needs of these high-performance vehicles

Porsche

How much does it cost to insure my Porsche?

The cost of insuring a Porsche depends on factors such as your age, driving history, occupation and the model you choose. Smaller sports cars like the Boxster or Cayman often sit in lower insurance groups than larger SUVs such as the Macan, which can make them relatively cheaper to cover. Comparing quotes across both mainstream and specialist insurers is the best way to find competitive protection for your Porsche.

Porsche Model

Average yearly premiums

Boxster

£296^

Macan

£780^

Boxster S

£273^

Cayman

£448^

Macan S

£769^

How can I get my insurance cheaper for my Porsche?

Although Porsche insurance is always costly, there are effective ways to keep premiums lower. Choosing a higher voluntary excess can reduce your quote, provided you could afford to pay it if you made a claim. Arranging cover a few weeks before renewal and paying annually rather than monthly are also common ways to save.

For performance cars like Porsches, insurers often offer lower rates if you opt for a limited mileage policy or keep the vehicle in a locked garage with approved security devices. Driving carefully, maintaining a clean licence and building a no-claims bonus remain some of the most reliable ways to cut costs. Reviewing optional extras and removing those you don’t need can also help reduce your premium.

What type of insurance do I need?

There are three main types of car insurance:

  • Fully comprehensive – the highest level of cover, protecting you, your Porsche, other vehicles, people and property in the event of a claim.

  • Third party, fire and theft – covers damage to other people’s cars or property, as well as theft or fire damage to your own car. It does not cover accidental damage to your Porsche.

  • Third party only – the minimum legal requirement, covering damage to others’ vehicles or property but offering no protection for your own car.

For most Porsche drivers, fully comprehensive insurance is the most suitable option. It provides the widest protection and, in many cases, can be cheaper than third party cover because insurers often view comprehensive policyholders as lower risk. Specialist Porsche policies may also include options such as agreed value cover or limited mileage, which can be more cost-effective for high-value or rarely driven models.

Fully comprehensive

£916.21 ^

Third-party, fire and theft

£1142.93 ^

Third-party only

£956.02 ^

Average cost of car insurance by policy type for Porsche cars

Where can I get insurance for my Porsche?

You can get Porsche insurance through both mainstream providers and specialist performance car insurers. Using a comparison site such as MoneySuperMarket is a quick way to view quotes from multiple trusted UK insurers in one place.

However, for high-value cars like Porsches, it is often worth approaching specialist insurers who understand performance vehicles and can offer tailored policies. These may include agreed value cover, limited mileage options and enhanced protection that standard policies don’t always provide. Comparing both general and specialist insurers ensures you find the right balance between cost and cover.

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What do I need to get accurate car insurance quotes?

  • Your car registration number and driving licence number

  • Any no-claims bonus you’ve accrued

  • When you bought the car and any modifications made

  • Your expected annual mileage

  • Whether you’ll use the car for social, commuting, or business purposes

Note: you can still get a quote if you don't know the registration yet

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LATEST NEWS

London Porsche drivers experiencing wave of headlight thefts

Recently, videos of Porsches with stolen headlights have been spreading quickly across platforms like TikTok, prompting a 230% increase in Google searches for ‘Porsche headlights’ in the UK over the past month.

It's been speculated that this is down to the high resale value of Porsche headlights and that some Porsche models have headlights that are relatively easy to remove.

The consequences for London Porsche drivers are twofold. Porsche owners are not only being hit by expensive fees to replace missing headlights but also by higher car insurance premiums because of the increase in thefts.

Porsche dealership
6%

increase in Porsche car insurance premiums between January and April 2025.

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Reviewed on 12 Dec 2025

Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.

Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.

Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.

Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.

Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between November 2024 and October 2025.

Accurate as of 12 December 2025.