Porsche has more underwriting range than almost any other marque
Few brands span the spectrum quite like Porsche: an air-cooled 993 Turbo, a 918 Spyder hypercar, a track-bred GT3 RS, and a Cayenne SUV can all wear the same crest and require completely different insurance approaches. A numbers-matching classic needs agreed value and a repair network fluent in vintage air-cooled mechanicals. A GT3 RS needs appraisal-backed coverage even though it's technically "current production." A Cayenne or Macan needs a standard high-value auto policy. We sort out which is which before we write anything.
Porsche, era by era
This page covers the Porsches most often on our desk. If your car isn't pictured here — an early 911, a Speedster, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Air-Cooled Era
The 911 generations collectors chase hardest
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911 (964 & 993)
The last of the air-cooled 911s — the 993 in particular is widely considered the pinnacle of that era's engineering and design.
Halo Cars
One flagship engineering statement per decade
959
Widely regarded as Porsche's first hypercar and among the most technologically advanced road cars of its era. 292 built.
Carrera GT
A naturally aspirated V10 and a carbon monocoque, built with a purist's manual gearbox. Now a blue-chip collector asset.
918 Spyder
A hybrid hypercar pairing a race-derived V8 with two electric motors for 887 combined horsepower. Production capped at 918 units.
Current Lineup
In production today
911 Turbo S
The most powerful production 911 currently offered — daily-usable, but built to a standard well above the base Carrera.
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911 GT3 & GT3 RS
Track-bred, low-volume, and appraisal-appropriate despite being "current production." More on why below.
Cayenne & Macan
Porsche's SUV lines and highest-volume models — underwritten differently than the sports car lineup. More below.
Beyond the models shown here, we also place coverage for earlier 911s (901, 930 Turbo), the 356, 914, 928, 944, and 968, current Cayman and Boxster models, the Taycan, and Porsche's rarest specials — Sport Classic, S/T, and Speedster editions among them. If it wears the crest, we can likely place it.
What published insurance data actually shows
Most of what gets said about exotic and performance car insurance is guesswork. Where real data exists, we'd rather show it to you. The Highway Loss Data Institute (HLDI) — a nonprofit affiliated with the Insurance Institute for Highway Safety — publishes collision loss data for vehicle series with enough insured exposure to be statistically meaningful. Results are indexed to 100, representing the average result across all passenger vehicles. Porsche has more published data than any other marque on this site, and it draws the underwriting split below in numbers, not just words.
| Vehicle | Relative claim severity | Relative overall losses |
|---|---|---|
| All passenger vehicles (baseline) | 100 | 100 |
| 911 Turbo 2dr 4WD (2021–22) | 1,066 | 432 |
| 911 Turbo convertible 4WD (2021–22) | 735 | 215 |
| 911 Carrera 2dr (2020–22) | 415 | 222 |
| 911 Targa 2dr 4WD (2021–22) | 534 | 210 |
| Cayenne 4dr 4WD (2020–22) | 181 | 145 |
| Macan 4dr 4WD (2020–22) | 160 | 147 |
Source: Highway Loss Data Institute, Insurance Report R-23: Collision Losses, 2020–22 Model Years (April 2023), published by the Insurance Institute for Highway Safety. The pattern here is exactly what you'd expect from the underwriting split below: 911 Turbo claim severity (1,066) runs nearly 6x higher than Cayenne's (181), and better than 6.6x higher than Macan's (160) — real, published evidence that a 911 Turbo and a Cayenne are genuinely different insurance risks, not just different price points. GT3 and GT3 RS don't yet have enough claims volume to appear in this report, which tracks with how new and low-volume those models are.
What carriers actually ask before they'll write coverage
Specialty carriers for high-value performance vehicles don't just price the car — they underwrite the driver. It's common for insurers to want to see prior insurance history on other high-value or high-performance vehicles, a clean driving record, and a realistic account of how the car will actually be used before extending coverage, particularly for GT3 RS, S/T, and Sport Classic buyers. This isn't a formality: it's part of why placing this kind of policy correctly, with a carrier that actually understands the car, matters more than chasing the lowest quote.
Some owners showcase their Porsche. Others keep it entirely private. Both are covered correctly.
Some owners want their Porsche seen — at track days, Rennsport Reunion, Cars & Coffee, club events. Others prefer the opposite: no public record, no plates or VINs in photos, a car that stays out of sight entirely in private, climate-controlled storage. Both are legitimate ownership styles, and both change what the policy needs to account for. A car that's regularly showcased or driven at events carries different transit, event, and liability exposure than one kept entirely private. Either way, coverage is built around the real risks these cars actually face — vandalism, wind and hail, theft, and even theft-for-ransom scenarios that specialty carriers are equipped to underwrite around, not just collision damage.
Photo via Wikimedia Commons (CC BY-SA)
Same badge, three very different policies
A base 911 Carrera and a Cayenne or Macan are usually written as standard high-value auto policies — they're comparatively higher-volume, daily-driven vehicles. A 911 GT3 RS, S/T, or Sport Classic is a different story: despite being "current production," these are low-volume, motorsport-derived special editions that hold value like collector cars and are frequently underwritten that way — not unlike a Ford Mustang GTD or Dark Horse compared to a standard EcoBoost Mustang. We'll tell you which category your specific Porsche falls into rather than assuming based on model year alone.
An independent brokerage, not a single carrier
We're not captive to one insurance company, and we're not a dealership finance office. That independence is the point: our only job is finding you the right coverage at the right price, then advocating for you if you ever need to use it.
Access to multiple carriers
We shop coverage across a range of specialty and standard carriers instead of pricing everything through one company's rate table, so you see real options instead of a single take-it-or-leave-it quote.
Bundle for a better rate
Combine your Porsche with your home, everyday autos, umbrella liability, other collector cars, and — where it applies — your business insurance. Carriers price account relationships, and that often means meaningfully better terms across the board.
Four things a standard policy misses
Agreed value, not depreciated value
The payout is set when you bind coverage — not renegotiated by an adjuster after a total loss.
OEM parts & factory-trained labor
Coverage that pays for genuine parts and Porsche-trained technicians, not aftermarket substitutes.
Track day & performance driving
Many exotic policies exclude track use outright. We place coverage that fits how these cars are actually driven — including club racing for track-focused models.
Collector-grade vs. daily-use exotic
A numbers-matching classic or GT3 RS needs appraisal-backed value; a Turbo S needs usage flexibility; a Cayenne needs a standard high-value auto policy. The policy should match which one is yours.
Get your Porsche covered correctly
Tell us about your car — model, year, how you use it, and anything else worth knowing — and we'll put together coverage shopped across multiple carriers.