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.

Estimated insurance prices for a Porsche Cayenne are $1,878 every 12 months for full coverage. Comprehensive costs around $458 each year, collision costs $864, and liability costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $4,070. Teenage drivers pay the most at $6,696 a year or more.

Average premium for full coverage: $1,878

Premium estimates for type of coverage:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Cayenne models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences show why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The best discount rate is $1,048
• Drivers who choose higher $1,000 deductibles will pay about $300 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,878
• Using low deductibles for comprehensive and collision insurance increases the price to $2,460
• Drivers who are prone to accidents and violations could pay at least $4,070 or more
• An auto insurance policy to insure a 16-year-old driver can be $6,696 a year

View Chart as Image

Insurance prices for a Porsche Cayenne also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $890 annually, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $6,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $2,200 to $3,000 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Porsche Cayenne insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for the Cheapest Porsche Cayenne Insurance

Finding better rates on insurance for a Porsche Cayenne not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below is a recap of the data that was touched on in the above illustrations.

• Drivers can save up to $240 per year simply by quoting online in advance
• Insureds who may need higher levels of liability will pay an extra $440 each year to go from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers pay higher prices, as much as $558 per month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $2,190 more every year for auto insurance

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.