Porsche Taycan insurance averages $454 per month for full coverage and $231 for minimum coverage. Costs run from $117 to $780 per month, depending on trim and model year.
Porsche Taycan Insurance Cost
Key Takeaways
Porsche Taycan insurance averages $454 per month for full coverage. Rates shift by model year and insurer, and GEICO offers the cheapest minimum coverage for Taycan owners on average.
The Taycan ranks 93rd out of 115 sports cars for insurance affordability, putting it in the expensive tier. Sports cars carry higher premiums because of performance capabilities, repair costs and theft risk.
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.
How Much Is Porsche Taycan Insurance?
Minimum coverage for the Taycan ranges from $151 per month with GEICO to $349 with Farmers. Full coverage runs from $305 per month with UAIC to $787 with AIG.
| 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 ranks the Porsche Taycan 93rd for insurance affordability, placing it among the top 4% most expensive models to insure. Within the luxury sports car category, its rates are in line with comparable vehicles.
| 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 |
Three main factors shape Porsche Taycan insurance costs:
- Average Repair or Replacement Costs: At $1,507 in annual repair costs, the Taycan is the least expensive Porsche model to maintain across the brand's four available models. Lower upkeep costs pull premiums down compared to other luxury EVs.
- Vehicle Trim, Features and Accessories: Taycan horsepower runs from 402 to 750 hp, depending on trim. Higher-output variants cost more to insure because they carry greater accident severity risk and steeper repair bills.
- Driver Profile: Most Taycan drivers are 40 to 50 years old with higher incomes, a profile that tends to lower rates. The vehicle's performance reputation can work against that, though. Insurers factor in driving behavior patterns tied to high-output vehicles and driver age.
Porsche Taycan Insurance Cost by State
Porsche Taycan minimum coverage ranges from $108 per month in Wyoming to $451 in Louisiana. State premiums differ because of local risk factors and insurance regulations.
| 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
Porsche Taycan insurance costs shift by model year and driver age. A driver aged 35 to 55 pays $254 per month for full coverage on a 2020 Taycan compared to $549 for a 2025 model.
GEICO offers the lowest minimum coverage rates across all Taycan model years.
Porsche Taycan Insurance Rates:
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 ranges from $117 per month for minimum coverage on the Base Sedan to $780 for full coverage on the Turbo GT. A trim's performance level, rarity and market value determine where its rate falls in that 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
- 1Choose the right coverage
Start by matching coverage to how you use your Porsche Taycan. Own the car outright? State minimum liability plus comprehensive and collision with a $1,000 deductible keeps premiums lower. For stronger protection, go with 100/300/100 liability plus comprehensive and collision at a $500 deductible. If the Taycan is financed or leased, lenders require 100/300/100 liability, comprehensive and collision at a $500 deductible and gap insurance. For more guidance, see how much coverage you need to buy.
- 2Research costs and cheap companies
Look at average auto insurance costs for sports cars when looking for the cheapest car insurance companies.
- 3Look for more than just low rates
Low premiums don't always mean good value. Before committing to a policy, check J.D. Power satisfaction scores, AM Best financial stability ratings and Better Business Bureau records. For a broader comparison, see the best car insurance companies.
- 5Consider alternative car insurance types
You might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise.
Porsche Taycan Insurance Cost: Bottom Line
Porsche Taycan insurance ranks among the more expensive models to insure, sitting 93rd out of 115 sports cars for affordability. Comparing quotes from at least three insurers each year, claiming every discount you qualify for and adjusting your deductible are the most reliable ways to cut what you pay.
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 offers the cheapest minimum coverage for the Porsche Taycan at $1,813 per year. UAIC has the lowest full coverage rate at $3,659 annually.
Are Porsche Taycans expensive to insure?
Yes. The Porsche Taycan ranks 93rd out of 115 sports cars for insurance affordability and 798th out of 827 vehicles overall, making it one of the more expensive models to insure across all categories.
What factors affect insurance costs for Porsche Taycans?
Porsche Taycan repair costs run high because of specialized parts and advanced EV technology. Your driving record, credit score and coverage level also factor into what you pay.
How can I lower Porsche Taycan insurance costs?
Get quotes from at least three insurers each year, since Porsche Taycan rates vary widely by company. Programs like Progressive Snapshot and Allstate Drivewise can lower your rate if you drive safely and log fewer miles.
How We Determined Porsche Taycan Insurance Costs
MoneyGeek analyzed quote estimates for U.S. vehicle models from 2000 to 2025 to calculate these Porsche Taycan insurance costs.
Who We Based These Rates On
These rates reflect what an average driver pays: a 40-year-old unmarried male with a clean record, no tickets or crashes, good credit, no prior claims, a valid license with no suspensions and approximately 12,000 miles driven per year.
Coverage Definitions
Minimum coverage reflects state-required liability limits. Full coverage means 100/300/100 liability plus comprehensive and collision with a $1,000 deductible.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.