Porsche Cayenne Insurance Rates

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UPDATED: May 20, 2024

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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 with full coverage. Comprehensive costs approximately $458, collision costs $864, and liability insurance is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $4,070. 16-year-old 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:

Comprehensive $458
Collision $864
Liability $398

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Cayenne trim levels.

Price Range Variability

For a driver in their 40's, Porsche Cayenne insurance rates go from the low end price of $460 for a discount liability-only rate to a much higher rate of $4,070 for coverage for higher-risk drivers.

Liability Only $460
Full Coverage $1,878
High Risk $4,070

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,409
Small Cities $1,972
Large Cities $2,535

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The best full coverage rate is $1,048
  • Raising to $1,000 deductibles will save $300 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,878
  • Buying more expensive low deductibles bumps up the cost to $2,460
  • Higher-risk drivers with multiple tickets or accidents could pay around $4,070 or more
  • Policy cost that insures a teen driver with full coverage can cost $6,696

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing full coverage Porsche Cayenne insurance rates range from $1,048 to $6,696

Insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,200 to $3,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,350 a year in states like Utah, Ohio, and New Hampshire, or at least $2,530 on average in New York, Michigan, and Florida.

Porsche Cayenne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,696 -$182 -9.7%
Alaska $1,440 -$438 -23.3%
Arizona $1,558 -$320 -17.0%
Arkansas $1,878 -$0 0.0%
California $2,138 $260 13.8%
Colorado $1,792 -$86 -4.6%
Connecticut $1,932 $54 2.9%
Delaware $2,122 $244 13.0%
Florida $2,350 $472 25.1%
Georgia $1,734 -$144 -7.7%
Hawaii $1,348 -$530 -28.2%
Idaho $1,270 -$608 -32.4%
Illinois $1,400 -$478 -25.5%
Indiana $1,412 -$466 -24.8%
Iowa $1,268 -$610 -32.5%
Kansas $1,784 -$94 -5.0%
Kentucky $2,562 $684 36.4%
Louisiana $2,778 $900 47.9%
Maine $1,158 -$720 -38.3%
Maryland $1,548 -$330 -17.6%
Massachusetts $1,502 -$376 -20.0%
Michigan $3,262 $1,384 73.7%
Minnesota $1,570 -$308 -16.4%
Mississippi $2,250 $372 19.8%
Missouri $1,666 -$212 -11.3%
Montana $2,018 $140 7.5%
Nebraska $1,480 -$398 -21.2%
Nevada $2,252 $374 19.9%
New Hampshire $1,354 -$524 -27.9%
New Jersey $2,098 $220 11.7%
New Mexico $1,662 -$216 -11.5%
New York $1,978 $100 5.3%
North Carolina $1,084 -$794 -42.3%
North Dakota $1,536 -$342 -18.2%
Ohio $1,298 -$580 -30.9%
Oklahoma $1,928 $50 2.7%
Oregon $1,720 -$158 -8.4%
Pennsylvania $1,792 -$86 -4.6%
Rhode Island $2,506 $628 33.4%
South Carolina $1,702 -$176 -9.4%
South Dakota $1,584 -$294 -15.7%
Tennessee $1,644 -$234 -12.5%
Texas $2,262 $384 20.4%
Utah $1,388 -$490 -26.1%
Vermont $1,284 -$594 -31.6%
Virginia $1,124 -$754 -40.1%
Washington $1,450 -$428 -22.8%
West Virginia $1,722 -$156 -8.3%
Wisconsin $1,300 -$578 -30.8%
Wyoming $1,670 -$208 -11.1%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $890 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Porsche Cayenne Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Porsche Cayenne $1,612 $134
Porsche Cayenne S $1,736 $145
Porsche Cayenne GTS $1,822 $152
Porsche Cayenne S Transyberia $1,822 $152
Porsche Cayenne GTS PD Edition 3 $1,948 $162
Porsche Cayenne Turbo $2,002 $167
Porsche Cayenne Turbo S $2,228 $186

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.

Porsche Cayenne Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Porsche Cayenne $458 $864 $398 $1,878
2023 Porsche Cayenne $442 $842 $416 $1,858
2022 Porsche Cayenne $426 $808 $430 $1,822
2021 Porsche Cayenne $402 $780 $442 $1,782
2020 Porsche Cayenne $388 $724 $452 $1,722
2019 Porsche Cayenne $372 $680 $456 $1,666
2018 Porsche Cayenne $356 $610 $460 $1,584
2017 Porsche Cayenne $334 $562 $460 $1,514
2016 Porsche Cayenne $322 $526 $464 $1,470
2015 Porsche Cayenne $314 $492 $474 $1,438
2014 Porsche Cayenne $290 $456 $474 $1,378
2013 Porsche Cayenne $282 $414 $478 $1,332
2012 Porsche Cayenne $264 $380 $474 $1,276
2011 Porsche Cayenne $248 $344 $474 $1,224
2010 Porsche Cayenne $240 $308 $468 $1,174
2009 Porsche Cayenne $236 $302 $460 $1,156
2008 Porsche Cayenne $232 $288 $452 $1,130
2006 Porsche Cayenne $206 $260 $442 $1,066

Rates are averaged for all Porsche Cayenne models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Porsche Cayenne Insurance

Finding cheaper rates on Porsche Cayenne insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct companies, and also from local insurance agencies.

The following is a summary of the primary concepts that were covered in the charts and tables above.

  • You may be able to save around $240 per year simply by shopping early and online
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $2,190 more per year for Cayenne insurance
  • Increasing comprehensive and collision deductibles can save approximately $875 each year
  • Teens are the costliest to insure, as much as $558 each month if comprehensive and collision insurance is included

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.

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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
Vehicle TestedOverallFrontalSideRollover
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne S SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne Coupe SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Turbo SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Coupe Turbo SUV AWDN/RN/RN/RN/R

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.

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.

Rates by Driver Age

Porsche Cayenne Insurance Rates by Driver Age
Driver Age Premium
16 $6,696
20 $4,336
30 $1,982
40 $1,878
50 $1,710
60 $1,678

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,460
$250 $2,188
$500 $1,878
$1,000 $1,578

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,878
50/100 $2,308
100/300 $2,407
250/500 $2,666
100 CSL $2,347
300 CSL $2,566
500 CSL $2,726

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayenne Insurance Rates for High Risk Drivers
Age Premium
16 $9,632
20 $6,900
30 $4,190
40 $4,070
50 $3,882
60 $3,850

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $267

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $103
Multi-vehicle $97
Homeowner $25
5-yr Accident Free $150
5-yr Claim Free $124
Paid in Full/EFT $95
Advance Quote $98
Online Quote $138
Total Discounts $830
Rate after discounts $1,048

Discounts are estimated and may not be available from every company or in every state.

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