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 for full coverage insurance. Comprehensive costs on average $458, collision costs $864, and liability is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $4,070. Teen drivers cost the most to insure at $6,696 a year or more.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $1,048
• Choosing higher $1,000 deductibles can save around $300 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,878
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $2,460
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $4,070 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $6,696 each year

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $6,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,530 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $890 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance ranges as much as 45% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

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 Cheap Porsche Cayenne Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, maintaining good credit, being claim-free, and bundling your home and auto policies. Invest the time to compare rates every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief summary of the ideas that were presented in the illustrations above.

• Teenage drivers pay the highest rates, possibly costing $558 each month for full coverage
• Higher risk drivers that tend to have accidents or serious violations pay an average of $2,190 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $875 each year
• It is possible to save as much as $240 per year simply by shopping early and online

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.