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 insurance. Comprehensive insurance costs approximately $458 each year, collision insurance costs $864, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $4,070 or more. Teen drivers cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below illustrates average Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $1,048
• Drivers who choose higher $1,000 deductibles will pay $300 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,878
• Choosing low deductibles for comprehensive and collision insurance costs an additional $582 annually
• Drivers with multiple violations and an at-fault accident could pay around $4,070
• Policy cost with full coverage for a 16-year-old driver can cost $6,696 a year

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark 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 are probably paying anywhere from $2,200 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $890 annually, whereas increasing liability limits will push rates upward. Switching 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 makes a big difference in Porsche Cayenne insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,530 on average in Florida, New York, and Michigan.

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 insurance for a Porsche Cayenne not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and consideration of higher deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief review of the material that was touched on above.

• Insureds who purchase higher liability limits will pay about $440 annually to go from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, possibly costing $558 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $2,190 more per year for Cayenne insurance
• Increasing comprehensive and collision deductibles could save up to $875 each year

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.