2020 Porsche Panamera Car Insurance Calculator

Monitor in real-time how different risk factors impact the cost of insurance for a 2020 Porsche Panamera. Modify choices like policy discounts, Panamera trim level, driving record, and coverage amounts. Know immediately if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2020 Porsche Panamera is $3,518 per year, or about $293 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

$3,518

Cost Per Month

$293

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 2020 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.

$3,518
Average Rate
Your Rate
$3,518

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.

The 'Average Rate' is a combined value for all 2020 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 2020 Porsche Panamera is $3,518.

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.

2020 Porsche Panamera Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 Porsche Panamera Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$1,234
2Lincoln Continental$2,372-$1,146
3Volvo S90$2,438-$1,080
4Cadillac CT6$2,516-$1,002
5Acura RLX$2,638-$880
6Lexus LS 500H$2,744-$774
7Kia K900$2,796-$722
8Lexus LS 500$2,886-$632
9Infiniti Q60$2,934-$584
10Mercedes-Benz AMG E53$2,938-$580
11Genesis G90$2,950-$568
12Mercedes-Benz AMG CLS53$3,016-$502
13BMW 840i$3,082-$436
2020 Large Luxury Car Average$3,122-$396
14Mercedes-Benz S450$3,214-$304
15BMW M850i$3,232-$286
16BMW 740i$3,340-$178
17BMW 850i$3,368-$150
18Mercedes-Benz E63 AMG$3,384-$134
19Porsche Panamera$3,518--
20Audi A8$3,578$60
21Mercedes-Benz S560$3,614$96
22BMW 750i$3,628$110
23BMW M760i$4,094$576
24Mercedes-Benz AMG S63$4,374$856

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.

2020 Panamera Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Porsche Panamera Insurance Rates by Trim Level
2020 Porsche Panamera Trim Level Annual Premium Cost Per Month
Hatchback$2,968$247
4 AWD Hatchback$3,046$254
4 Executive AWD Hatchback$3,108$259
4 Sport Turismo AWD Hatchback$3,108$259
4 S AWD Hatchback$3,172$264
Hybrid 4 AWD Hatchback$3,182$265
Hybrid 4 Executive Sedan$3,246$271
Hybrid 4 Sport Turismo AWD Hatchback$3,246$271
4 S Sport Turismo AWD Hatchback$3,338$278
4 S Executive AWD Hatchback$3,400$283
GTS Hatchback$3,480$290
GTS Sport Turismo Hatchback$3,542$295
Turbo Hatchback$3,808$317
Turbo Sport Turismo Hatchback$3,870$323
Turbo Executive Hatchback$3,932$328
Hybrid Turbo S Sedan$4,252$354
Hybrid Turbo S Sport Turismo Sedan$4,316$360
Hybrid Turbo S Executive Sedan$4,376$365

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 2020 Porsche Panamera for different driver ages.

2020 Porsche Panamera Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,203$1,017
17$11,994$1,000
18$11,070$923
19$9,943$829
20$7,688$641
21$7,334$611
22$6,612$551
23$5,301$442
24$5,061$422
25$4,108$342
30$3,788$316
35$3,604$300
40$3,518$293
45$3,268$272
50$3,078$257
55$2,876$240
60$2,888$241
65$3,092$258
70$3,274$273
75$3,782$315
80$4,664$389

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.