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 $1,894 a year for full coverage. Comprehensive insurance costs approximately $476, collision costs $870, and liability costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $4,100 or more. Teens cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using averaged prices.

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

More Rate Details

The chart below shows estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $1,058
• Using higher $1,000 deductibles will save $306 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,894
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $594 every year
• Drivers with serious driving violations could pay around $4,100 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $6,710 or more

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on your risk profile, the trim level of your Cayenne, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,700 a year. View Rates by Age

Your home state has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates as low as $1,250 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $900 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $2,200 to $3,000 additional every year, depending on your age. High-risk driver insurance can be as much as 45% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, and 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 the Best Cheap Porsche Cayenne Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick review of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, costing up to $559 each month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may pay on average $2,210 more per year to insure a Porsche Cayenne
• Increasing comprehensive and collision deductibles can save around $900 each year
• Drivers can save around $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.