Yes. For most 2020 Porsche 911 owners, full coverage is worth it. Typical premiums run $1,327 to $1,612 per year, depending on your record, ZIP code, mileage, and deductibles. You protect a six figure car from repair bills that can top $10,000 and from a total loss.
What full coverage includes
Liability pays for injuries and damage you cause to others. It does not repair or replace your 911. Full coverage adds collision and comprehensive to protect your car too.
| Coverage | What it pays for |
|---|---|
| Liability | Injuries and property damage you cause to others |
| Collision | Damage to your 911 from a crash, regardless of fault |
| Comprehensive | Theft, vandalism, hail, flood, fire, falling objects, animal strikes |
Luxury parts and specialized labor make the 911 costly to fix. A minor front end hit or wheel and suspension damage can reach four or five figures. Full coverage limits your out of pocket cost to your deductible.
Estimated costs
Most drivers see modest year to year changes. Use this range to plan.
| Annual premium | 5 year total |
|---|---|
| $1,327 | $6,635 |
| $1,612 | $8,060 |
Younger drivers, urban ZIP codes, and prior claims can push rates higher. A clean record, lower annual miles, and garage parking help keep costs near the low end.
When full coverage makes sense
- You lease or finance the car. Lenders require collision and comprehensive.
- Your 911 is worth far more than you can pay to repair or replace.
- You want protection from theft, weather, and hit and run damage while parked.
- You drive often or in heavy traffic, which raises crash risk.
- You want to protect the value of a $90,000 plus asset.
When liability only could work
- You own the car outright and can self insure a repair or a total loss.
- You have a large emergency fund and accept a $10,000 to $50,000 risk.
Ways to lower your premium
- Raise deductibles to $1,000 or $2,500 to cut collision and comprehensive costs.
- Bundle home and auto. Ask about multi car and safe driver discounts.
- Take a defensive driving course if your insurer offers a discount.
- Add anti theft and tracking devices. Park in a locked garage.
- Reduce annual mileage and try a telematics program if available.
- Compare quotes from at least three insurers and recheck each year.
Sidekick compares insurance options across your total ownership costs and helps you find the best value for your 911.