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.

U.S. average auto insurance rates for a Porsche Cayenne are $1,894 annually for full coverage. Comprehensive insurance costs on average $476, collision insurance costs $870, and liability insurance is estimated at $390. A policy with just liability insurance costs approximately $452 a year, and coverage for high-risk drivers costs $4,100 or more. 16-year-old drivers pay the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Cayenne trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer accident claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows average Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $1,058
• Choosing higher $1,000 deductibles can save around $306 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,894
• Buying more expensive low deductibles for comp and collision coverage costs an additional $594 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $4,100
• The price with full coverage for a teen driver with full coverage may cost $6,710 each year

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $900 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Idaho, Maine, and Iowa, or at least $2,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy More Affordable Porsche Cayenne Insurance

Getting lower rates on Porsche Cayenne insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a summary of the material that was presented in the illustrations above.

• Drivers who require more liability coverage will pay around $430 each year to raise limits from a low limit to higher 250/500 limits
• Teen drivers pay the highest prices, with premiums as much as $559 a month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $2,210 more each year to insure their Cayenne
• Increasing physical damage deductibles could save up to $900 each year

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.