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.

Average insurance rates for a Porsche Cayenne are $1,878 a year for full coverage insurance. Comprehensive insurance costs on average $458, collision costs $864, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $4,070 or more. Teens receive the highest rates at $6,696 a year or more.

Average premium for full coverage: $1,878

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Cayenne models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

These examples illustrate why everyone should compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $1,048
• Using higher $1,000 deductibles will save around $300 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,878
• Selecting pricier low deductibles for physical damage coverage will cost an additional $582 annually
• High-risk insureds with serious driving violations could pay upwards of $4,070 or more
• The cost that insures a 16-year-old driver for full coverage may cost $6,696 or more

View Chart as Image

Insurance rates for a Porsche Cayenne can also vary considerably based on the model of your Cayenne, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $2,200 to $3,000 additional per year, depending on your age. Porsche Cayenne insurance for high-risk drivers can be from 45% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,600 a year. View Rates by Age

Where you live has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,530 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $890 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and rates can be significantly 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 Find More Affordable Porsche Cayenne Insurance

Saving money on insurance for a Porsche Cayenne requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data covered in the charts and tables above.

• It is possible to save as much as $240 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $875 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $558 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,190 more each year than a driver with a clean driving record

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.