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.

U.S. average auto insurance rates for a Porsche Cayenne are $1,878 annually including full coverage. Comprehensive costs approximately $458, collision costs $864, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing around $4,070. Teen drivers pay the highest rates at $6,696 a year or more.

Average premium for full coverage: $1,878

Price estimates by individual coverage:

Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Cayenne models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

The ranges above highlight why everyone should get quotes 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.

Rates by State, City, and Model

The chart below breaks down estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $1,048
• Choosing higher $1,000 deductibles can save $300 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,878
• Choosing pricier low deductibles for comp and collision coverage will cost $2,460
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $4,070 or more
• The price with full coverage for a 16-year-old driver for full coverage can cost $6,696 each year

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $3,000 extra each year, depending on your age. Porsche Cayenne insurance for high-risk drivers ranges from 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $890 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,440 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so the prices may be quite 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 the Right Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne takes not taking risks behind the wheel, having a good credit history, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a quick rundown of the data that was touched on above.

• You may be able to save around $240 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase higher liability limits will pay about $440 per year to raise limits from a low limit to higher 250/500 limits
• Teens are expensive to insure, possibly costing $558 a month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $2,190 more per year for Cayenne insurance

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.