2021 Porsche Panamera Car Insurance Calculator

See in real-time how different driver and vehicle factors affect the cost of insurance for a 2021 Porsche Panamera. Experiment with rate factors like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2021 Porsche Panamera is $3,646 per year, or about $304 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

$3,646

Cost Per Month

$304

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 2021 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.

$3,646
Average Rate
Your Rate
$3,646

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 2021 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 2021 Porsche Panamera is $3,646.

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.

2021 Porsche Panamera Segment Comparison

The table below compares insurance rates for the 2021 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.

2021 Porsche Panamera Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$1,288
2Volvo S90$2,520-$1,126
3Lexus LS 500H$2,834-$812
4Kia K900$2,888-$758
5Lexus LS 500$2,980-$666
6Mercedes-Benz AMG E53$3,026-$620
7Infiniti Q60$3,038-$608
8Genesis G90$3,046-$600
9Mercedes-Benz AMG CLS53$3,118-$528
10BMW 840i$3,184-$462
2021 Large Luxury Car Average$3,320-$326
11Mercedes-Benz S450$3,324-$322
12BMW M850i$3,342-$304
13BMW 740i$3,456-$190
14BMW 850i$3,484-$162
15Mercedes-Benz E63 AMG$3,500-$146
16Porsche Panamera$3,646--
17Audi A8$3,704$58
18Mercedes-Benz S560$3,738$92
19BMW 750i$3,754$108
20BMW M760i$4,238$592
21Mercedes-Benz AMG S63$4,532$886

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.

2021 Panamera Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Porsche Panamera Insurance Rates by Trim Level
2021 Porsche Panamera Trim Level Annual Premium Cost Per Month
Hatchback$3,072$256
4 AWD Hatchback$3,156$263
4 Executive AWD Hatchback$3,222$269
4 Sport Turismo AWD Hatchback$3,222$269
4 S AWD Hatchback$3,284$274
Hybrid 4 AWD Hatchback$3,292$274
Hybrid 4 Executive Sedan$3,354$280
Hybrid 4 Sport Turismo AWD Hatchback$3,354$280
4 S Sport Turismo AWD Hatchback$3,458$288
4 S Executive AWD Hatchback$3,524$294
GTS Hatchback$3,606$301
GTS Sport Turismo Hatchback$3,672$306
Turbo Hatchback$3,950$329
Turbo Sport Turismo Hatchback$4,012$334
Turbo Executive Hatchback$4,078$340
Hybrid Turbo S Sedan$4,406$367
Hybrid Turbo S Sport Turismo Sedan$4,468$372
Hybrid Turbo S Executive Sedan$4,534$378

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 2021 Porsche Panamera for different driver ages.

2021 Porsche Panamera Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,637$1,053
17$12,426$1,036
18$11,481$957
19$10,308$859
20$7,971$664
21$7,601$633
22$6,854$571
23$5,493$458
24$5,243$437
25$4,254$355
30$3,924$327
35$3,730$311
40$3,646$304
45$3,382$282
50$3,186$266
55$2,976$248
60$2,990$249
65$3,202$267
70$3,390$283
75$3,914$326
80$4,826$402

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.