Porsche Cayenne Insurance Rates

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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

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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 insurance rates for a Porsche Cayenne are $1,666 a year including full coverage. Comprehensive costs approximately $372, collision insurance costs $680, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs around $3,618. Teen 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

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Cayenne trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the low end price of $508 for minimum levels of liability insurance to a much higher rate of $3,618 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using price averages.

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.

Additional Rate Details

The chart below breaks down average Porsche Cayenne insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $943
  • Raising to $1,000 deductibles will save $238 every year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,666
  • Choosing more expensive low deductibles bumps up the cost to $2,132
  • At-risk drivers with multiple violations and an at-fault accident could pay around $3,618
  • The cost that insures a teen driver with full coverage can cost $6,126

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

Insurance rates for a Porsche Cayenne can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $2,000 to $2,700 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,280 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,380 on average in Louisiana, New York, and Michigan.

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

Choosing high deductibles can reduce rates by up to $710 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

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 Find More Affordable Porsche Cayenne Insurance

Saving money on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a summary of the data covered in the charts and tables above.

  • Policyholders who purchase additional liability coverage will pay about $500 per year to raise from a minimum limit to the 250/500 level
  • You may be able to save around $210 per year just by shopping early and online
  • Increasing deductibles can save approximately $700 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $511 per month if full coverage is included

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 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.

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