Porsche Cayenne Insurance Rates
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UPDATED: Jun 6, 2023
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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 insurance prices for a Porsche Cayenne are $1,722 every 12 months for full coverage. Comprehensive insurance costs around $388 each year, collision costs $724, and liability insurance is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing $3,736 or more. Teenage drivers cost the most to insure at $6,290 a year or more.
Average premium for full coverage: $1,722
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Cayenne models.
Price Range Variability
Using a 40-year-old driver as an example, Porsche Cayenne insurance rates go from the cheapest price of $504 for basic liability insurance to a high rate of $3,736 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above show why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.
The chart below shows estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.
- The best discount rate is $970
- Raising to $1,000 deductibles will save about $254 a year
- The average price for a good driver age 40 using $500 deductibles is $1,722
- Using low deductibles costs an extra $488 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,736 or more
- Policy cost to insure a teen driver can be $6,290
Auto insurance rates for a Porsche Cayenne also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $750 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $6,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $2,000 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,130 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,450 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Porsche Cayenne S||$1,602||$134|
|Porsche Cayenne GTS||$1,674||$140|
|Porsche Cayenne S Transyberia||$1,674||$140|
|Porsche Cayenne GTS PD Edition 3||$1,780||$148|
|Porsche Cayenne Turbo||$1,828||$152|
|Porsche Cayenne Turbo S||$2,014||$168|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Porsche Cayenne||$388||$724||$452||$1,722|
|2016 Porsche Cayenne||$372||$680||$456||$1,666|
|2011 Porsche Cayenne||$290||$456||$474||$1,378|
|2010 Porsche Cayenne||$282||$414||$478||$1,332|
|2009 Porsche Cayenne||$264||$380||$474||$1,276|
|2008 Porsche Cayenne||$248||$344||$474||$1,224|
|2006 Porsche Cayenne||$236||$302||$460||$1,156|
|2004 Porsche Cayenne||$214||$274||$446||$1,092|
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 Shop for Affordable Porsche Cayenne Insurance
Finding cheaper rates on Porsche Cayenne insurance consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every year by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a brief review of the coverage data raised in the charts and tables above.
- Drivers can save up to $210 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $750 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $524 each month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $2,010 more every year than a safer driver
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.
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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.
|2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWD||N/R||N/R||N/R||N/R|
|2021 Porsche Cayenne S SUV AWD||N/R||N/R||N/R||N/R|
|2021 Porsche Cayenne E-Hybrid SUV AWD||N/R||N/R||N/R||N/R|
|2021 Porsche Cayenne E-Hybrid Coupe SUV AWD||N/R||N/R||N/R||N/R|
|2021 Porsche Cayenne Coupe SUV AWD||N/R||N/R||N/R||N/R|
|2020 Porsche Cayenne Turbo SUV AWD||N/R||N/R||N/R||N/R|
|2020 Porsche Cayenne Coupe Turbo SUV AWD||N/R||N/R||N/R||N/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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$133|
|5-yr Claim Free||$113|
|Paid in Full/EFT||$83|
Discounts are estimated and may not be available from every company or in every state.