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.
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:
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.
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.
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
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.
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% |
Insurance Rates by Trim Level and Model Year
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.
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.
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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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
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
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
Deductible | Premium |
---|---|
$100 | $2,132 |
$250 | $1,916 |
$500 | $1,666 |
$1,000 | $1,428 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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