Porsche Cayenne Insurance Rates

You’ve found a Porsche Cayenne for sale and you’re wondering “how much should I pay for a Porsche Cayenne policy”? The average Porsche Cayenne insurance rates are $1,936 a year, or $161 a month.

To learn more about the Porsche Cayenne’s insurance costs and ways to secure cheap car insurance rates on you Porsche Cayenne, keep reading.

Before you buy Porsche Cayenne auto insurance, get up to speed on everything that may affect your rates with a Porsche Cayenne auto insurance company.

This guide will help you do just that so you can find cheap Porche Cayenne car insurance quotes.

To jump right into finding affordable Porsche Cayenne car insurance rates, just enter your five-digit ZIP code into our FREE quote tool above.

The average insurance rates for a Porsche Cayenne are $1,878 a year including full coverage. Comprehensive insurance costs an estimated $458, collision insurance costs $864, and liability coverage costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs $4,070 or more. Teens cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down average Porsche Cayenne insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $1,048
• Using higher $1,000 deductibles will save approximately $300 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,878
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $582 each year
• Higher-risk drivers with serious driving violations could pay up to $4,070
• Policy cost that insures a teenage driver with full coverage can cost as much as $6,696 or more

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance can be around 45% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $6,600 a year. View Rates by Age

Your home state has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see rates as low as $1,440 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $890 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Porsche Cayenne Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates at every policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a recap of the data raised in the charts and tables above.

• Consumers who want more liability protection will pay approximately $440 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save approximately $240 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $875 each year
• Youthful drivers are charged the highest rates, with premiums being up to $558 each month if full coverage is included

To save on the average price of Porsche insurance costs, make sure to compare rates from major insurers. Doing so will help reduce the overall cost to own a Porsche Cayenne.

Getting quotes will also help you learn what is the best year of Porsche Cayenne to buy when it comes to insurance rates, whether you are looking at 2020 or 2005 Porsche Cayenne insurance costs.

To find out how much does it cost to maintain a Porsche Cayenne insurance policy in your area, enter your ZIP code in our free tool below.

What are the safety ratings of the Porsche Cayenne?

How reliable are the Porsche Cayennes? Reliable Porsche safety ratings and features make it easier to find a cheaper Porsche Cayenne average price, due to discounts.

Some of the standard Porsche Cayenne safety features include front and rear parking sensors, rain-sensing windshield wipers, and a rearview camera.

However, the Insurance Institute for Highway Safety (IIHS) has not yet crash-tested the Porsche Cayenne, which makes it harder to judge the Porsche Cayenne’s reliability.

In a similar vein, check out the Porsche Cayenne crash test ratings which are usually performed by the National Highway Traffic Safety Administration in the table below.

Porsche Cayenne Crash Test Ratings

As you can see, this luxury vehicle has never been crash-tested. Fortunately, the Porsche Cayenne has enough safety features and options that you should still be able to secure affordable car insurance rates.

Porsche Cayenne Compared Against Other Vehicles in the Same Class

Finding the best cheap insurance for a Porsche Cayenne partially depends on how dangerous the Porsche Cayenne is. This vehicle is classified as a luxury vehicle, which tends to have higher rates due to the increased risk of crashing.

Unfortunately, the Insurance Institute for Highway Safety has not studied the Porsche Cayenne insurance loss probability details, so there are no available loss ratios for this vehicle.

To see how the Porsche Cayenne’s rates compare to other luxury vehicles, take a look at the list below.

• Cadillac ATS
• Infiniti Q50
• Jaguar F-TYPE

You are now an expert on securing cheap Porsche Cayenne insurance rates. Ready to search for the best Porsche Cayenne insurance rates in your area?

Don’t wait, Simply enter your five-digit ZIP code into our FREE online quote tool to get the best rates for your Porsche Cayenne.