Insurance premiums for a Porsche Taycan average $454 monthly for full coverage and $231 for minimum coverage. Depending on your particular trim and model year, costs can range from $117 to $780 monthly.
Porsche Taycan Insurance Cost
Updated: February 2, 2026
Key Takeaways
Porsche Taycan insurance costs average $454 per month for full coverage, though rates vary by model year and insurer. GEICO offers the cheapest rates on average for minimum coverage for Taycan owners. Read more
Among sports cars, the Taycan ranks 93 out of 115 for insurance affordability, placing it on the expensive side. Sports cars cost more to insure due to performance capabilities, increased repair costs and theft risk. Read more
For the most accurate rates, check costs specific to your Taycan's model year and driver ages, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific Taycan model years, depending on the age of the drivers
How Much Is Porsche Taycan Insurance?
Costs vary by model year and company. Porsche Taycan minimum coverage ranges from $151 monthly with GEICO to $349 with Farmers, while full coverage spans $305 monthly with UAIC to $787 with AIG.
These cost differences (over $198 for minimum coverage and $482 for full coverage) demonstrate why Taycan owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $247 | $517 |
| AIG | $313 | $787 |
| Allstate | $291 | $565 |
| Amica | $306 | $630 |
| Chubb | $287 | $580 |
| Farmers | $349 | $612 |
| Geico | $151 | $332 |
| Kemper | $179 | $369 |
| Nationwide | $195 | $339 |
| Progressive | $250 | $470 |
| State Farm | $248 | $527 |
| The Hartford | $205 | $350 |
| Travelers | $181 | $335 |
| UAIC | $243 | $305 |
Is Porsche Taycan Expensive to Insure?
MoneyGeek's analysis of 115 sports cars reveals the Porsche Taycan's insurance costs rank 93rd for affordability, meaning 92 vehicles cost less to insure. It's positioned just a few dollars per month more expensive than a Ferrari 599 and slightly cheaper than a Lamborghini Revuelto. This middle-tier ranking among sports cars shows it's competitively priced within its luxury category, though that doesn't tell the complete story about overall affordability.
Sports cars are inherently expensive to insure, and the Taycan's 798th place out of 827 total vehicles puts it among the top 4% most costly models. While the Mazda MX-5 Miata offers the cheapest sports car insurance rates, the Rolls Royce La Rose Noire commands the highest premiums in this category.
| Lamborghini Temerario | $312 | 90 |
| Ferrari F12 | $313 | 91 |
| Ferrari 599 | $339 | 92 |
| Porsche Taycan | $342 | 93 |
| Lamborghini Revuelto | $405 | 94 |
| Ferrari SF90 | $408 | 95 |
| Karma Gysera | $420 | 96 |
Several factors affect what you'll pay for Porsche Taycan insurance:
- Average Repair or Replacement Costs: The Taycan's $1,507 annual repair costs make it Porsche's most affordable model to maintain out of four available models, helping keep insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: With horsepower ranging from 402 to 750 hp across various trims, higher-performance variants cost more to insure due to their extreme power capabilities and increased risk profile.
- Driver Profile: Most Taycan drivers are aged 40 to 50 with higher incomes, which may lower rates. But the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Porsche Taycans for young drivers.
Porsche Taycan Insurance Cost by State
Car insurance for a Porsche Taycan ranges from $108 monthly in Wyoming to $451 in Louisiana for minimum coverage, depending on where you're located. These dramatic state differences reflect your area's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| Alabama | $239 | $449 |
| Alaska | $171 | $367 |
| Arizona | $295 | $552 |
| Arkansas | $208 | $463 |
| California | $208 | $419 |
| Colorado | $223 | $544 |
| Connecticut | $305 | $531 |
| Delaware | $291 | $488 |
| Florida | $219 | $520 |
| Georgia | $325 | $532 |
| Hawaii | $116 | $264 |
| Idaho | $124 | $257 |
| Illinois | $212 | $399 |
| Indiana | $145 | $285 |
| Iowa | $164 | $397 |
| Kansas | $185 | $439 |
| Kentucky | $270 | $468 |
| Louisiana | $451 | $943 |
| Maine | $139 | $294 |
| Maryland | $356 | $607 |
| Massachusetts | $234 | $500 |
| Michigan | $387 | $751 |
| Minnesota | $197 | $426 |
| Mississippi | $240 | $470 |
| Missouri | $308 | $605 |
| Montana | $200 | $478 |
| Nebraska | $175 | $398 |
| Nevada | $326 | $592 |
| New Hampshire | $190 | $341 |
| New Jersey | $322 | $534 |
| New Mexico | $179 | $405 |
| New York | $243 | $438 |
| North Carolina | $178 | $351 |
| North Dakota | $175 | $387 |
| Ohio | $167 | $329 |
| Oklahoma | $226 | $509 |
| Oregon | $225 | $394 |
| Pennsylvania | $244 | $571 |
| Rhode Island | $287 | $514 |
| South Carolina | $215 | $406 |
| South Dakota | $147 | $479 |
| Tennessee | $188 | $381 |
| Texas | $267 | $548 |
| Utah | $211 | $361 |
| Vermont | $130 | $309 |
| Virginia | $222 | $356 |
| Washington | $190 | $358 |
| West Virginia | $230 | $469 |
| Wisconsin | $168 | $369 |
| Wyoming | $108 | $326 |
Porsche Taycan Costs by Model Year and Insurance Company
Model year importance can't be overstated when insuring your Porsche Taycan, as costs vary based on the vehicle's age and your own. A 35- to 55-year-old driver pays $254 monthly for full coverage on a 2020 Porsche Taycan compared to $549 for a 2025 model, showing how newer cars command higher premiums. Young drivers in their teens and early twenties will pay much more to insure across all model years.
GEICO offers the cheapest rates across all Taycan model years for minimum coverage.
Cost of Car Insurance for 2025 Porsche Taycan
| Geico | $185 | $406 |
| Kemper | $208 | $428 |
| Travelers | $221 | $411 |
| Nationwide | $230 | $401 |
| National General | $242 | $496 |
| The Hartford | $242 | $413 |
| UAIC | $294 | $370 |
| Progressive | $304 | $570 |
| AAA | $313 | $655 |
| State Farm | $333 | $712 |
| Allstate | $338 | $657 |
| Chubb | $369 | $746 |
| Amica | $396 | $815 |
| AIG | $397 | $999 |
| Farmers | $425 | $747 |
Cost of Car Insurance for 2024 Porsche Taycan
| Geico | $152 | $334 |
| Kemper | $171 | $352 |
| Travelers | $182 | $338 |
| Nationwide | $189 | $330 |
| National General | $199 | $407 |
| The Hartford | $199 | $339 |
| UAIC | $241 | $304 |
| Progressive | $250 | $469 |
| AAA | $257 | $539 |
| State Farm | $274 | $586 |
| Allstate | $278 | $540 |
| Chubb | $303 | $613 |
| Amica | $326 | $670 |
| AIG | $326 | $821 |
| Farmers | $350 | $614 |
Cost of Car Insurance for 2023 Porsche Taycan
| Geico | $121 | $266 |
| Kemper | $136 | $280 |
| Travelers | $145 | $269 |
| Nationwide | $151 | $263 |
| National General | $158 | $325 |
| The Hartford | $159 | $271 |
| UAIC | $192 | $242 |
| Progressive | $199 | $374 |
| AAA | $205 | $429 |
| State Farm | $218 | $467 |
| Allstate | $222 | $431 |
| Chubb | $242 | $489 |
| Amica | $260 | $534 |
| AIG | $260 | $655 |
| Farmers | $279 | $490 |
Cost of Car Insurance for 2022 Porsche Taycan
| Geico | $157 | $346 |
| National General | $178 | $364 |
| Travelers | $188 | $348 |
| Kemper | $203 | $418 |
| State Farm | $214 | $450 |
| Nationwide | $214 | $373 |
| The Hartford | $226 | $386 |
| AAA | $242 | $505 |
| UAIC | $257 | $322 |
| Progressive | $264 | $497 |
| Chubb | $273 | $552 |
| Amica | $288 | $592 |
| AIG | $305 | $767 |
| Allstate | $327 | $639 |
| Farmers | $366 | $641 |
Cost of Car Insurance for 2021 Porsche Taycan
| Geico | $138 | $304 |
| National General | $156 | $320 |
| Travelers | $165 | $306 |
| Kemper | $178 | $368 |
| State Farm | $188 | $395 |
| Nationwide | $188 | $328 |
| The Hartford | $199 | $339 |
| AAA | $213 | $443 |
| UAIC | $226 | $283 |
| Progressive | $232 | $436 |
| Chubb | $240 | $485 |
| Amica | $253 | $520 |
| AIG | $268 | $674 |
| Allstate | $288 | $561 |
| Farmers | $322 | $563 |
Cost of Car Insurance for 2020 Porsche Taycan
| Geico | $116 | $254 |
| National General | $130 | $267 |
| Travelers | $138 | $255 |
| Kemper | $149 | $307 |
| State Farm | $157 | $330 |
| Nationwide | $157 | $274 |
| The Hartford | $166 | $283 |
| AAA | $178 | $370 |
| UAIC | $189 | $236 |
| Progressive | $194 | $365 |
| Chubb | $201 | $405 |
| Amica | $211 | $434 |
| AIG | $224 | $563 |
| Allstate | $240 | $469 |
| Farmers | $269 | $470 |
Porsche Taycan Insurance Cost by Trim
Porsche Taycan insurance costs vary by trim, from $780 monthly for full coverage on high-performance Turbo GT variants down to $117 for minimum coverage on Base Sedan models. Performance features, rarity, and market value determine where your trim falls in this range.
| Base Sedan | $117 | $229 |
| 4s Sedan | $143 | $282 |
| Sedan 4d | $152 | $299 |
| 4 Cross Turismo | $153 | $301 |
| Taycan | $160 | $315 |
| 4s Sedan 4d | $169 | $332 |
| Cross Turismo $4 | $179 | $353 |
| $4 | $180 | $354 |
| Gts Sedan | $180 | $354 |
| 4s Cross Turismo | $181 | $356 |
| 4s | $193 | $380 |
| Cross Turismo 4s | $205 | $402 |
| Turbo Sedan | $206 | $405 |
| Gts Sport Turismo | $213 | $418 |
| Turbo Sedan 4d | $233 | $459 |
| Gts | $241 | $473 |
| Gts Sedan 4d | $243 | $477 |
| Sport Turismo Gts | $247 | $486 |
| Turbo Cross Turismo | $251 | $494 |
| Turbo S Sedan | $252 | $495 |
| Turbo S Sedan 4d | $263 | $518 |
| Turbo | $280 | $550 |
| Cross Turismo Turbo | $287 | $565 |
| Turbo S Cross Turismo | $307 | $604 |
| Turbo S | $337 | $664 |
| Cross Turismo Turbo S | $345 | $679 |
| Turbo Gt W/Weissach Pkg | $395 | $778 |
| Turbo Gt | $396 | $780 |
How to Lower the Cost of Porsche Taycan Insurance
We've compiled proven strategies to help you find affordable Porsche Taycan insurance rates:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Porsche Taycan. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for sports cars. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond price quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability. Budget options could provide limited coverage or slower service when you need claims handled quickly.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Porsche Taycan owners often get safety features discounts, good driver rewards, bundling savings and electric vehicle incentives.
- 5Consider alternative car insurance types
Taycan owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track driving habits and offer premium reductions. These telematics options work well for professionals who drive less frequently but want full coverage for occasional longer trips.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Insurers don't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Porsche Taycan insurance. Rate changes happen frequently in competitive markets, making regular shopping essential for maintaining affordable premiums.
Porsche Taycan Insurance Cost: Bottom Line
Porsche Taycan insurance costs more than average, but you can still find decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you secure better pricing for this luxury vehicle.
Porsche Taycan Insurance Rates: FAQ
What is the average cost of car insurance for a Porsche Taycan?
Porsche Taycan insurance costs $2,770 annually for state minimum coverage and $5,447 yearly for full coverage. These rates represent the national average premiums for this luxury electric vehicle.
What company has the cheapest car insurance for a Porsche Taycan?
GEICO provides the most affordable minimum coverage for a Porsche Taycan at $1,813 annually. UAIC delivers the best value for full coverage at $3,659 per year.
Are Porsche Taycans expensive to insure?
Yes, Porsche Taycan insurance costs more than most cars. Among sports cars, this model ranks 93rd out of 115 for affordability, while placing 798th out of 827 vehicles overall.
What factors affect insurance costs for Porsche Taycans?
The luxury electric vehicle's high repair costs from specialized parts and advanced technology drive up premiums. Your driving record, credit score, and selected coverage levels also impact what you'll pay for protection.
How can I lower Porsche Taycan insurance costs?
Compare quotes from several insurers since Porsche Taycan pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Porsche Taycan Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Porsche Taycan insurance costs.
Who We Based These Rates On
These Porsche Taycan rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.