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 for full coverage. Comprehensive insurance costs on average $458 each year, collision costs $864, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $4,070 or more. Teenage drivers cost the most to insure at $6,696 a year or more.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,048
• Raising to $1,000 deductibles will save around $300 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,878
• Using low deductibles costs an additional $582 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $4,070 or more
• Policy cost with full coverage for a teen driver may cost $6,696

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 could be paying at a minimum $2,200 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $890 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied 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 the Best Cheap Porsche Cayenne Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a quick review of the concepts that were presented in the illustrations above.

• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $2,190 more each year for Cayenne insurance
• Teens pay higher rates, costing up to $558 each month if they have full coverage
• Drivers can save as much as $240 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $875 each year
• Drivers can save as much as $240 per year simply by quoting online in advance

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.