Porsche Cayenne Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average auto insurance rates for a Porsche Cayenne are $1,666 annually for full coverage. Comprehensive costs on average $372 a year, collision insurance costs $680, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $3,618. Teenage drivers receive the highest rates at up to $6,126 a year.

Average premium for full coverage: $1,666

Rate estimates by individual coverage type:

Comprehensive $372
Collision $680
Liability $456

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Cayenne trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $508 for basic liability insurance to a high of $3,618 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,666
High Risk $3,618

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

Rural Areas $1,250
Small Cities $1,749
Large Cities $2,249

These examples show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The best discount rate is $943
  • Choosing higher $1,000 deductibles can save around $1,428 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,666
  • Using low $100 deductibles for comp and collision coverage will cost $2,132
  • Drivers who are prone to accidents and violations could pay upwards of $3,618
  • The cost with full coverage for a teenage driver may cost $6,126 each year

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing Porsche Cayenne insurance rates range from $943 to $6,126 for full coverage

Auto insurance rates for a Porsche Cayenne can also vary considerably based on the trim level of your Cayenne, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $2,000 to $2,700 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $710 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,380 on average in Michigan, Louisiana, and New York.

Porsche Cayenne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,508 -$158 -9.5%
Alaska $1,280 -$386 -23.2%
Arizona $1,384 -$282 -16.9%
Arkansas $1,666 -$0 0.0%
California $1,900 $234 14.0%
Colorado $1,594 -$72 -4.3%
Connecticut $1,714 $48 2.9%
Delaware $1,886 $220 13.2%
Florida $2,084 $418 25.1%
Georgia $1,538 -$128 -7.7%
Hawaii $1,196 -$470 -28.2%
Idaho $1,128 -$538 -32.3%
Illinois $1,244 -$422 -25.3%
Indiana $1,256 -$410 -24.6%
Iowa $1,126 -$540 -32.4%
Kansas $1,584 -$82 -4.9%
Kentucky $2,274 $608 36.5%
Louisiana $2,466 $800 48.0%
Maine $1,030 -$636 -38.2%
Maryland $1,374 -$292 -17.5%
Massachusetts $1,334 -$332 -19.9%
Michigan $2,896 $1,230 73.8%
Minnesota $1,396 -$270 -16.2%
Mississippi $1,998 $332 19.9%
Missouri $1,478 -$188 -11.3%
Montana $1,792 $126 7.6%
Nebraska $1,312 -$354 -21.2%
Nevada $1,998 $332 19.9%
New Hampshire $1,200 -$466 -28.0%
New Jersey $1,862 $196 11.8%
New Mexico $1,478 -$188 -11.3%
New York $1,756 $90 5.4%
North Carolina $960 -$706 -42.4%
North Dakota $1,364 -$302 -18.1%
Ohio $1,150 -$516 -31.0%
Oklahoma $1,712 $46 2.8%
Oregon $1,526 -$140 -8.4%
Pennsylvania $1,590 -$76 -4.6%
Rhode Island $2,224 $558 33.5%
South Carolina $1,508 -$158 -9.5%
South Dakota $1,406 -$260 -15.6%
Tennessee $1,460 -$206 -12.4%
Texas $2,008 $342 20.5%
Utah $1,236 -$430 -25.8%
Vermont $1,142 -$524 -31.5%
Virginia $998 -$668 -40.1%
Washington $1,288 -$378 -22.7%
West Virginia $1,526 -$140 -8.4%
Wisconsin $1,156 -$510 -30.6%
Wyoming $1,486 -$180 -10.8%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Porsche Cayenne Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Porsche Cayenne $1,454 $121
Porsche Cayenne S $1,556 $130
Porsche Cayenne GTS $1,624 $135
Porsche Cayenne S Transyberia $1,624 $135
Porsche Cayenne GTS PD Edition 3 $1,724 $144
Porsche Cayenne Turbo $1,768 $147
Porsche Cayenne Turbo S $1,946 $162

Rates assume 2017 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.

Porsche Cayenne Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Porsche Cayenne $372 $680 $456 $1,666
2016 Porsche Cayenne $356 $610 $460 $1,584
2011 Porsche Cayenne $282 $414 $478 $1,332
2010 Porsche Cayenne $264 $380 $474 $1,276
2009 Porsche Cayenne $248 $344 $474 $1,224
2008 Porsche Cayenne $240 $308 $468 $1,174
2006 Porsche Cayenne $232 $288 $452 $1,130
2004 Porsche Cayenne $206 $260 $442 $1,066

Rates are averaged for all Porsche Cayenne models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Porsche Cayenne Insurance

Saving money on auto insurance takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Spend time shopping around every year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a recap of the coverage data touched on above.

  • Drivers can save as much as $210 per year just by quoting early and online
  • Increasing deductibles could save up to $700 each year
  • Drivers under the age of 20 are charged the highest rates, costing as high as $511 per month if full coverage is included
  • Drivers that have major violations or accidents may be required to pay an average of $1,950 more each year to insure a Porsche 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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
Vehicle TestedOverallFrontalSideRollover
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne S SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne Coupe SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Turbo SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Coupe Turbo SUV AWDN/RN/RN/RN/R

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.

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.

Rates by Driver Age

Porsche Cayenne Insurance Rates by Driver Age
Driver Age Premium
16 $6,126
20 $3,846
30 $1,744
40 $1,666
50 $1,520
60 $1,492

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,132
$250 $1,916
$500 $1,666
$1,000 $1,428

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,666
50/100 $2,037
100/300 $2,151
250/500 $2,448
100 CSL $2,083
300 CSL $2,334
500 CSL $2,516

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayenne Insurance Rates for High Risk Drivers
Age Premium
16 $8,776
20 $6,132
30 $3,704
40 $3,618
50 $3,452
60 $3,422

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $236

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $90
Multi-vehicle $88
Homeowner $24
5-yr Accident Free $127
5-yr Claim Free $109
Paid in Full/EFT $79
Advance Quote $85
Online Quote $121
Total Discounts $723
Rate after discounts $943

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles