Porsche Cayenne Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 20, 2024
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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.
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
For a 40-year-old driver, Porsche Cayenne insurance prices go from as low as $452 for your basic liability-only policy to a high rate of $4,100 for a driver that may need high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,712 | -$182 | -9.6% |
Alaska | $1,454 | -$440 | -23.2% |
Arizona | $1,574 | -$320 | -16.9% |
Arkansas | $1,894 | -$0 | 0.0% |
California | $2,160 | $266 | 14.0% |
Colorado | $1,810 | -$84 | -4.4% |
Connecticut | $1,948 | $54 | 2.9% |
Delaware | $2,144 | $250 | 13.2% |
Florida | $2,372 | $478 | 25.2% |
Georgia | $1,750 | -$144 | -7.6% |
Hawaii | $1,362 | -$532 | -28.1% |
Idaho | $1,282 | -$612 | -32.3% |
Illinois | $1,412 | -$482 | -25.4% |
Indiana | $1,428 | -$466 | -24.6% |
Iowa | $1,280 | -$614 | -32.4% |
Kansas | $1,800 | -$94 | -5.0% |
Kentucky | $2,586 | $692 | 36.5% |
Louisiana | $2,806 | $912 | 48.2% |
Maine | $1,168 | -$726 | -38.3% |
Maryland | $1,564 | -$330 | -17.4% |
Massachusetts | $1,516 | -$378 | -20.0% |
Michigan | $3,294 | $1,400 | 73.9% |
Minnesota | $1,584 | -$310 | -16.4% |
Mississippi | $2,268 | $374 | 19.7% |
Missouri | $1,680 | -$214 | -11.3% |
Montana | $2,036 | $142 | 7.5% |
Nebraska | $1,496 | -$398 | -21.0% |
Nevada | $2,274 | $380 | 20.1% |
New Hampshire | $1,366 | -$528 | -27.9% |
New Jersey | $2,118 | $224 | 11.8% |
New Mexico | $1,678 | -$216 | -11.4% |
New York | $1,996 | $102 | 5.4% |
North Carolina | $1,092 | -$802 | -42.3% |
North Dakota | $1,552 | -$342 | -18.1% |
Ohio | $1,308 | -$586 | -30.9% |
Oklahoma | $1,946 | $52 | 2.7% |
Oregon | $1,736 | -$158 | -8.3% |
Pennsylvania | $1,808 | -$86 | -4.5% |
Rhode Island | $2,528 | $634 | 33.5% |
South Carolina | $1,718 | -$176 | -9.3% |
South Dakota | $1,598 | -$296 | -15.6% |
Tennessee | $1,660 | -$234 | -12.4% |
Texas | $2,284 | $390 | 20.6% |
Utah | $1,402 | -$492 | -26.0% |
Vermont | $1,296 | -$598 | -31.6% |
Virginia | $1,136 | -$758 | -40.0% |
Washington | $1,464 | -$430 | -22.7% |
West Virginia | $1,736 | -$158 | -8.3% |
Wisconsin | $1,312 | -$582 | -30.7% |
Wyoming | $1,690 | -$204 | -10.8% |
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
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Porsche Cayenne | $1,622 | $135 |
Porsche Cayenne S | $1,752 | $146 |
Porsche Cayenne GTS | $1,838 | $153 |
Porsche Cayenne S Transyberia | $1,838 | $153 |
Porsche Cayenne GTS PD Edition 3 | $1,968 | $164 |
Porsche Cayenne Turbo | $2,024 | $169 |
Porsche Cayenne Turbo S | $2,252 | $188 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Porsche Cayenne | $476 | $870 | $390 | $1,894 |
2023 Porsche Cayenne | $458 | $864 | $398 | $1,878 |
2022 Porsche Cayenne | $442 | $842 | $416 | $1,858 |
2021 Porsche Cayenne | $426 | $808 | $430 | $1,822 |
2020 Porsche Cayenne | $402 | $780 | $442 | $1,782 |
2019 Porsche Cayenne | $388 | $724 | $452 | $1,722 |
2018 Porsche Cayenne | $372 | $680 | $456 | $1,666 |
2017 Porsche Cayenne | $356 | $610 | $460 | $1,584 |
2016 Porsche Cayenne | $334 | $562 | $460 | $1,514 |
2015 Porsche Cayenne | $322 | $526 | $464 | $1,470 |
2014 Porsche Cayenne | $314 | $492 | $474 | $1,438 |
2013 Porsche Cayenne | $290 | $456 | $474 | $1,378 |
2012 Porsche Cayenne | $282 | $414 | $478 | $1,332 |
2011 Porsche Cayenne | $264 | $380 | $474 | $1,276 |
2010 Porsche Cayenne | $248 | $344 | $474 | $1,224 |
2009 Porsche Cayenne | $240 | $308 | $468 | $1,174 |
2008 Porsche Cayenne | $236 | $302 | $460 | $1,156 |
2006 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 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.
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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.
Porsche Cayenne Crash Test RatingsVehicle 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 | $6,710 |
20 | $4,362 |
30 | $2,002 |
40 | $1,894 |
50 | $1,724 |
60 | $1,692 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,488 |
$250 | $2,214 |
$500 | $1,894 |
$1,000 | $1,588 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,894 |
50/100 | $2,330 |
100/300 | $2,428 |
250/500 | $2,681 |
100 CSL | $2,369 |
300 CSL | $2,584 |
500 CSL | $2,740 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $9,656 |
20 | $6,938 |
30 | $4,220 |
40 | $4,100 |
50 | $3,906 |
60 | $3,872 |
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 | $104 |
Multi-vehicle | $97 |
Homeowner | $25 |
5-yr Accident Free | $151 |
5-yr Claim Free | $125 |
Paid in Full/EFT | $96 |
Advance Quote | $99 |
Online Quote | $139 |
Total Discounts | $836 |
Discounts are estimated and may not be available from every company or in every state.
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