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.

U.S. average insurance prices for a Porsche Cayenne are $1,878 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $458, collision costs $864, and liability coverage is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing $4,070 or more. Teenage drivers pay the highest rates at $6,696 a year or more.

Average premium for full coverage: $1,878

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Cayenne trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Porsche Cayenne insurance rates for other coverage scenarios.

• The best discount rate is $1,048
• Raising to $1,000 deductibles will save approximately $300 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,878
• Using more expensive low deductibles costs an extra $582 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $4,070 or more
• The price to insure a teenage driver with full coverage can cost as much as $6,696

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $890 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $6,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find prices as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,530 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Shop for Cheap Porsche Cayenne Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief summary of the data touched on in this article.

• Consumers who want more liability coverage will pay an extra $440 annually to raise from a low limit to a 250/500 level
• It is possible to save approximately $240 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $875 each year
• Teen drivers are charged the highest prices, as much as $558 a month if they have full coverage

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.