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 prices for a Porsche Cayenne are $1,878 every 12 months for full coverage insurance. Comprehensive costs on average $458, collision insurance costs $864, and liability insurance costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $4,070. Teens cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Details

The chart below illustrates average 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 average price for a good driver age 40 with $500 deductibles is $1,878
• Selecting pricier low deductibles for physical damage coverage increases the price to $2,460
• Drivers with serious driving violations could pay upwards of $4,070
• Policy cost to insure a teen driver for full coverage may cost $6,696 or more

View Chart as Image

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

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

A more mature driver with a good driving record and higher deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $6,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $2,200 to $3,000 in extra premium every year, depending on your age. Porsche Cayenne insurance for high-risk drivers can be anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Porsche Cayenne insurance rates. 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

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 Cheap Porsche Cayenne Insurance

Finding cheaper rates on Porsche Cayenne insurance requires being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a brief summary of the coverage data covered in the charts and tables above.

• It is possible to save as much as $240 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $875 each year
• Youthful drivers are charged the highest rates, possibly costing $558 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations pay on average $2,190 more each year than a low-risk driver

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.