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 insurance rates for a Porsche Cayenne are $1,894 a year for full coverage. Comprehensive costs on average $476 each year, collision costs $870, and liability costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing around $4,100. Teenage drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Cayenne models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $1,058
• Using higher $1,000 deductibles will save around $306 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,894
• Using low deductibles for physical damage coverage will increase the cost to $2,488
• High-risk insureds who are prone to accidents and violations could pay upwards of $4,100 or more
• The price for full coverage for a 16-year-old driver may cost $6,710 or more

View Chart as Image

Car insurance prices for a Porsche Cayenne are also quite variable based on your driving record, the trim level of your Cayenne, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

The state you live in has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see prices as low as $1,250 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $900 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 45% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Find More Affordable Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around once a year by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a summary of the data that was illustrated above.

• Drivers can save as much as $240 per year simply by quoting online in advance
• Insureds who require more liability coverage will pay an extra $430 each year to increase from a low limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums as much as $559 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations will pay on average $2,210 more each year to insure their Cayenne

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.