Porsche Panamera Car Insurance Calculator

Get real-time feedback how choices you make affect car insurance rates for a Porsche Panamera. Experiment with factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately if the choices you make are positive or negative.

The average estimated car insurance premium for a 2024 Porsche Panamera is $4,666 per year, or about $389 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$4,666

Cost Per Month

$389

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Porsche Panamera Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Porsche Panamera.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$4,666
Average Rate
Your Rate
$4,666

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Porsche Panamera.

The 'Average Rate' is a combined value for all Porsche Panamera trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Porsche Panamera is $4,666.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Porsche Panamera Segment Comparison

The table below compares insurance rates for the 2024 Porsche Panamera against all other models in the large luxury car segment. The Porsche Panamera is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Porsche Panamera, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Porsche Panamera.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Porsche Panamera Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$1,884
2Volvo S90$2,870-$1,796
3Genesis G90$3,076-$1,590
4Mercedes-Benz AMG E53$3,088-$1,578
5Mercedes-Benz EQS 450$3,122-$1,544
6Lexus LS 500$3,220-$1,446
7Lexus LS 500h$3,262-$1,404
8BMW 840i$3,354-$1,312
9BMW i7$3,402-$1,264
10Audi RS 7$3,524-$1,142
2024 Large Luxury Car Average$3,748-$918
11BMW M850i$3,780-$886
12BMW 740i$3,794-$872
13BMW 750e$3,806-$860
14Mercedes-Benz AMG GT43$3,832-$834
15Audi S8$3,878-$788
16Mercedes-Benz S500$3,972-$694
17Audi A8$3,982-$684
18BMW 760i$4,008-$658
19Mercedes-Benz S580$4,162-$504
20Mercedes-Benz EQS 580$4,230-$436
21Mercedes-Benz Maybach S580$4,598-$68
22Mercedes-Benz AMG EQS$4,642-$24
23Porsche Panamera$4,666--
24Mercedes-Benz Maybach S680$4,906$240

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Panamera Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Porsche Panamera.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Porsche Panamera Insurance Rates by Trim Level
2024 Porsche Panamera Trim Level Annual Premium Cost Per Month
Base Sedan$4,102$342
4$4,202$350
4 Sport Turismo$4,318$360
4 Executive$4,326$361
Platinum Edition$4,352$363
4 Platinum Edition$4,420$368
4 E-Hybrid$4,420$368
4S$4,448$371
4 E-Hybrid Sport Turismo$4,482$374
4 E-Hybrid Executive$4,488$374
4S Sport Turismo$4,542$379
4 E-Hybrid Platinum Edition$4,564$380
4S E-Hybrid$4,570$381
4S Executive$4,610$384
4S E-Hybrid Sport Turismo$4,622$385
4S E-Hybrid Executive$4,712$393
GTS$4,762$397
GTS Sport Turismo$4,822$402
Turbo S$5,154$430
Turbo S Sport Turismo$5,174$431
Turbo S E-Hybrid$5,204$434
Turbo S Executive$5,210$434
Turbo S E-Hybrid Sport Turismo$5,222$435
Turbo S E-Hybrid Executive$5,256$438

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Porsche Panamera for different driver ages.

2024 Porsche Panamera Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$16,480$1,373
17$16,129$1,344
18$14,757$1,230
19$13,293$1,108
20$10,234$853
21$9,757$813
22$8,774$731
23$7,059$588
24$6,723$560
25$5,448$454
30$5,010$418
35$4,784$399
40$4,666$389
45$4,340$362
50$4,092$341
55$3,824$319
60$3,840$320
65$4,114$343
70$4,394$366
75$5,114$426
80$6,322$527

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Porsche Panamera trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Porsche Panamera.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Porsche Panamera Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Porsche Panamera$4,666$389
2023 Porsche Panamera$3,818$318
2022 Porsche Panamera$3,728$311
2021 Porsche Panamera$3,646$304
2020 Porsche Panamera$3,518$293
2019 Porsche Panamera$3,394$283
2018 Porsche Panamera$3,118$260
2017 Porsche Panamera$2,896$241
2016 Porsche Panamera$3,102$259
2015 Porsche Panamera$2,800$233
2014 Porsche Panamera$2,374$198
2013 Porsche Panamera$2,440$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Porsche Panamera trim levels for each model year.