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.

Estimated insurance rates for a Porsche Cayenne are $1,878 a year for full coverage insurance. Comprehensive insurance costs on average $458 each year, collision insurance costs $864, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, and high-risk insurance costs $4,070 or more. Teenage drivers pay the most at up to $6,696 a year.

Average premium for full coverage: $1,878

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Cayenne models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These rate differences illustrate why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates average Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,048
• Choosing higher $1,000 deductibles can save around $300 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,878
• Using low deductibles for comp and collision coverage will cost an extra $582 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,070
• An auto insurance policy for full coverage for a 16-year-old driver may cost $6,696 each year

View Chart as Image

Auto insurance prices for a Porsche Cayenne also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $6,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,530 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $890 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $2,200 to $3,000 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges 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 the Best Cheap Porsche Cayenne Insurance

Finding better rates on insurance for a Porsche Cayenne takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a quick review of the information covered in the charts and tables above.

• It is possible to save as much as $240 per year just by quoting online in advance
• Youthful drivers are charged the highest prices, with premiums being up to $558 per month if they have full coverage
• Increasing policy deductibles can save around $875 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $2,190 more each year than a low-risk driver
• Insureds who require more liability protection will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to 250/500 limits

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.