Porsche 911 Insurance Quotes in Honolulu

Discount Porsche 911 insuranceWant to learn the secrets to finding cheaper Porsche 911 insurance in Honolulu? Locating better insurance prices for your Porsche 911 in Hawaii could be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance so you’re going to learn the best way to get price quotes for a Porsche and find the cheapest rates from Honolulu insurance agents and online providers.

If you have coverage now or need new coverage, you will benefit by learning to reduce premiums without reducing protection. Shopping around for the most affordable protection in Honolulu is easy if you know what you’re doing. Consumers just need to understand the best way to get comparison rates on the web.

Compare Porsche 911 insurance rates

The companies shown below are our best choices to provide quotes in Hawaii. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Rate information and statistics

The price information below outlines different rate quotes for Porsche 911 models. Learning how rate quotes are calculated helps drivers make smart choices when selecting a coverage provider.


Porsche 911 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $164 $402 $300 $18 $90 $974 $81
911 Carrera 4 2-Dr Coupe $178 $402 $300 $18 $90 $988 $82
911 Carrera 2 Cabriolet 2-Dr Convertible $178 $402 $254 $16 $76 $926 $77
911 Carrera 2 S 2-Dr Coupe $178 $402 $300 $18 $90 $988 $82
911 Carrera 4 Cabriolet 2-Dr Convertible $178 $402 $254 $16 $76 $926 $77
911 Carrera 4S 2-Dr Coupe $178 $440 $300 $18 $90 $1,026 $86
911 Carrera Targa 2-Dr Coupe $178 $440 $300 $18 $90 $1,026 $86
911 Carrera 2 S 2-Dr Convertible $178 $440 $254 $16 $76 $964 $80
911 Carrera 4S Cabriolet 2-Dr Convertible $192 $402 $254 $16 $76 $940 $78
911 Carrera Targa S 2-Dr Coupe $192 $440 $300 $18 $90 $1,040 $87
911 GT3 2-Dr Coupe $192 $478 $300 $18 $90 $1,078 $90
911 GT3 RS 2-Dr Coupe $220 $516 $300 $18 $90 $1,144 $95
911 Turbo 2-Dr Coupe $220 $516 $300 $18 $90 $1,144 $95
911 Turbo 2-Dr Convertible $220 $554 $254 $16 $76 $1,120 $93
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in your specific Honolulu location which can alter premiums noticeably.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The comparison tables below determine the premium difference between low and high deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.


Porsche 911 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $310 $652 $264 $16 $80 $1,347 $112
911 Carrera 4 2-Dr Coupe $336 $652 $264 $16 $80 $1,373 $114
911 Carrera 2 Cabriolet 2-Dr Convertible $336 $652 $226 $14 $68 $1,321 $110
911 Carrera 2 S 2-Dr Coupe $336 $652 $264 $16 $80 $1,373 $114
911 Carrera 4 Cabriolet 2-Dr Convertible $336 $652 $226 $14 $68 $1,321 $110
911 Carrera 4S 2-Dr Coupe $336 $714 $264 $16 $80 $1,435 $120
911 Carrera Targa 2-Dr Coupe $336 $714 $264 $16 $80 $1,435 $120
911 Carrera 2 S 2-Dr Convertible $336 $714 $226 $14 $68 $1,383 $115
911 Carrera 4S Cabriolet 2-Dr Convertible $362 $652 $226 $14 $68 $1,347 $112
911 Carrera Targa S 2-Dr Coupe $362 $714 $264 $16 $80 $1,461 $122
911 GT3 2-Dr Coupe $362 $774 $264 $16 $80 $1,521 $127
911 GT3 RS 2-Dr Coupe $416 $836 $264 $16 $80 $1,637 $136
911 Turbo 2-Dr Coupe $416 $836 $264 $16 $80 $1,637 $136
911 Turbo 2-Dr Convertible $416 $898 $226 $14 $68 $1,647 $137
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Porsche 911 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $252 $526 $264 $16 $80 $1,138 $95
911 Carrera 4 2-Dr Coupe $274 $526 $264 $16 $80 $1,160 $97
911 Carrera 2 Cabriolet 2-Dr Convertible $274 $526 $226 $14 $68 $1,108 $92
911 Carrera 2 S 2-Dr Coupe $274 $526 $264 $16 $80 $1,160 $97
911 Carrera 4 Cabriolet 2-Dr Convertible $274 $526 $226 $14 $68 $1,108 $92
911 Carrera 4S 2-Dr Coupe $274 $576 $264 $16 $80 $1,210 $101
911 Carrera Targa 2-Dr Coupe $274 $576 $264 $16 $80 $1,210 $101
911 Carrera 2 S 2-Dr Convertible $274 $576 $226 $14 $68 $1,158 $97
911 Carrera 4S Cabriolet 2-Dr Convertible $294 $526 $226 $14 $68 $1,128 $94
911 Carrera Targa S 2-Dr Coupe $294 $576 $264 $16 $80 $1,230 $103
911 GT3 2-Dr Coupe $294 $624 $264 $16 $80 $1,278 $107
911 GT3 RS 2-Dr Coupe $338 $674 $264 $16 $80 $1,372 $114
911 Turbo 2-Dr Coupe $338 $674 $264 $16 $80 $1,372 $114
911 Turbo 2-Dr Convertible $338 $724 $226 $14 $68 $1,370 $114
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can decrease or increase rates greatly.

Based on these figures, using a $250 deductible will cost you approximately $19 more each month or $228 for a full year than choosing the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 13 months between claim filings, you would save money if you decide on a higher deductible.

The illustration below highlights how deductible choice and can increase or decrease Porsche 911 insurance costs for different age groups. The information is based on a single male driver, full coverage, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The chart below illustrates the comparison of Porsche 911 auto insurance rates when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no definitive rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Porsche 911 replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying over $600 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Why you need car insurance

Even though it’s not necessarily cheap to insure a Porsche in Honolulu, car insurance is most likely required but also gives you several important benefits.

The benefits of buying car insurance definitely exceed the price paid, especially with large liability claims. But the average driver in Hawaii is wasting up to $865 each year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

These five discounts can lower your car insurance quotes

Some insurers don’t necessarily list all their discounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous credits available to you.Discount car insurance

Don’t be shocked that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

The chart below illustrates the difference between Porsche 911 yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Hawaii state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.

To see insurers that offer discounts in Hawaii, click here.

Get rate quotes but still have a local Honolulu insurance agent

Many people would rather go talk to an agent and that can be a great decision Professional agents are trained to spot inefficiencies and will help you if you have claims. A good thing about price shopping on the web is the fact that drivers can get cheaper prices and also buy local.

Insurance agency in HonoluluOnce you complete this form (opens in new window), the coverage information is immediately sent to agents in your area who want to provide quotes and help you find cheaper coverage. You won’t even need to contact an agency since price quotes are sent to you directly. If you want to get a price quote from a particular provider, feel free to go to their quote page and complete a quote there.

Picking an insurance company should depend on more than just the price. Any good agent in Honolulu should know the answers to these questions.

The following is a short list of auto insurance companies in Honolulu willing to provide price quotes for Porsche 911 insurance in Honolulu.

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You may need specialized car insurance coverage

Always remember that when buying coverage online or from an agent, there really is not a one size fits all plan. Your needs are unique to you and a cookie cutter policy won’t apply.Car insurance savings
For example, these questions could help you determine if your situation would benefit from an agent’s advice.

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Porsche 911.

Since many Hawaii drivers only carry the minimum required liability limits (20/40/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

Liability insurance will cover damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 20/40/10 that translate to $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and property damage coverage for $10,000.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible. Hawaii state law requires minimum liability limits of 20/40/10 but you should consider buying higher limits.

The chart below demonstrates why the minimum limit may not be high enough to cover claims.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your 911 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, scraping a guard rail, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your 911 to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Quote often and quote early

As you restructure your insurance plan, do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Throughout this article, we presented many ideas to find cheaper Porsche 911 insurance in Honolulu. The key concept to understand is the more you quote Honolulu car insurance, the better your comparison will be. Consumers may even find the best price on auto insurance is with an unexpected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

Steps to finding cheaper quotes for Porsche 911 insurance in Honolulu

The easiest way to find low-cost Porsche 911 insurance is to make a habit of regularly comparing prices from insurers in Honolulu. You can compare rates by following these steps.

First, learn about how car insurance works and the measures you can take to keep rates in check. Many rating factors that increase rates such as high-risk driving behaviors and an imperfect credit score can be rectified by improving your driving habits or financial responsibility.

Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can quote prices from multiple companies.

Third, compare the quotes to the premium of your current policy to see if cheaper 911 coverage is available. If you find a better price and switch companies, ensure there is no coverage lapse between policies.

Fourth, provide notification to your current agent or company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment to your new company or agent. Once coverage is bound, safely store the proof of insurance paperwork with your vehicle’s registration.

An essential thing to point out is to make sure you’re comparing the same liability limits and deductibles on every quote and and to compare as many different insurance providers as possible. This guarantees a level playing field and the best rate selection.

More detailed auto insurance information can be read by following these links: