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 $1,878 a year including full coverage. Comprehensive insurance costs an estimated $458, collision insurance costs $864, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs $4,070 or more. Teenage drivers cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Porsche Cayenne insurance rates for other coverage scenarios.

• The best discount rate is $1,048
• Raising to $1,000 deductibles will save approximately $300 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,878
• Using more expensive low deductibles will cost an extra $582 annually
• Drivers who are prone to accidents and violations could pay up to $4,070
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $6,696

View Chart as Image

Car insurance rates for a Porsche Cayenne also range considerably based on your risk profile, the model of your Cayenne, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $6,600 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,440 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $890 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates

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

Finding cheaper rates on insurance for a Porsche Cayenne consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $240 per year just by shopping early and online
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,190 more annually for Cayenne insurance
• Increasing comprehensive and collision deductibles can save around $875 each year
• Teens have the highest car insurance rates, with premiums being up to $558 each month if full coverage 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.

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.