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 auto insurance rates for a Porsche Cayenne are $1,878 annually with full coverage. Comprehensive insurance costs around $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 $4,070 or more. 16-year-old drivers cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below details average Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $1,048
• Using higher $1,000 deductibles will save about $300 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,878
• Buying more expensive low deductibles for physical damage coverage costs an additional $582 a year
• Drivers with multiple tickets or accidents could pay at least $4,070
• Policy cost with full coverage for a teen driver with full coverage can be $6,696 or more

View Chart as Image

Auto insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $6,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $2,200 to $3,000 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $890 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see rates as low as $1,350 a year in states like New Hampshire, Ohio, and Utah, or at least $2,530 on average in Florida, Michigan, and New York.

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 Buy Affordable Porsche Cayenne Insurance

Finding cheaper rates on Porsche Cayenne insurance requires being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the data touched on in the above illustrations.

• Drivers who may need an increased level of liability coverage will pay around $440 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $240 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $875 each year
• Drivers age 16 to 20 are expensive to insure, as much as $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.