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.

Average auto insurance rates for a Porsche Cayenne are $1,878 annually including full coverage. Comprehensive insurance costs around $458, collision costs $864, and liability coverage is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $4,070 or more. Teens receive the highest rates at $6,696 a year or more.

Average premium for full coverage: $1,878

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Cayenne trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $1,048
• Raising to $1,000 deductibles will save about $300 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,878
• Selecting more expensive low deductibles costs an additional $582 each year
• Unlucky drivers with serious driving violations could pay at least $4,070 or more
• The cost with full coverage for a teenage driver with full coverage can be $6,696

View Chart as Image

Insurance rates for a Porsche Cayenne can also vary considerably based on the trim level of your Cayenne, your driving characteristics, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $6,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $2,200 to $3,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,440 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,680 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.

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 Buy More Affordable Porsche Cayenne Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a summary of the car insurance concepts touched on above.

• Drivers who have multiple accidents or major violations may pay on average $2,190 more every year for car insurance
• You may be able to save up to $240 per year simply by shopping early and online
• Increasing deductibles could save up to $875 each year
• Consumers who may need higher liability limits will pay approximately $440 per year to raise from a minimum limit to higher 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.