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: 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 prices for a Porsche Cayenne are $1,878 every 12 months with full coverage. Comprehensive costs on average $458, collision insurance costs $864, and liability coverage costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs around $4,070. Teen drivers receive the highest rates at up to $6,696 a year.
Average premium for full coverage: $1,878
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Cayenne trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $460 for your basic liability-only policy to a much higher rate of $4,070 for a high-risk insurance policy.
Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than 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.
More Rate Information
The chart below details average Porsche Cayenne insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,048
- Drivers who choose higher $1,000 deductibles will pay around $300 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,878
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $2,460
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,070
- The cost to insure a teenage driver with full coverage may cost $6,696 a year
Auto insurance rates for a Porsche Cayenne can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Cayenne.
Choosing high deductibles could save up to $890 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $6,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $2,200 to $3,000 in extra premium per year, depending on your age. High-risk driver insurance can cost around 45% to 131% more than average. View High Risk Driver Rates
Where you live makes a big difference in Porsche Cayenne insurance rates. A 40-year-old driver could pay as low as $1,350 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,530 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,696 | -$182 | -9.7% |
| Alaska | $1,440 | -$438 | -23.3% |
| Arizona | $1,558 | -$320 | -17.0% |
| Arkansas | $1,878 | -$0 | 0.0% |
| California | $2,138 | $260 | 13.8% |
| Colorado | $1,792 | -$86 | -4.6% |
| Connecticut | $1,932 | $54 | 2.9% |
| Delaware | $2,122 | $244 | 13.0% |
| Florida | $2,350 | $472 | 25.1% |
| Georgia | $1,734 | -$144 | -7.7% |
| Hawaii | $1,348 | -$530 | -28.2% |
| Idaho | $1,270 | -$608 | -32.4% |
| Illinois | $1,400 | -$478 | -25.5% |
| Indiana | $1,412 | -$466 | -24.8% |
| Iowa | $1,268 | -$610 | -32.5% |
| Kansas | $1,784 | -$94 | -5.0% |
| Kentucky | $2,562 | $684 | 36.4% |
| Louisiana | $2,778 | $900 | 47.9% |
| Maine | $1,158 | -$720 | -38.3% |
| Maryland | $1,548 | -$330 | -17.6% |
| Massachusetts | $1,502 | -$376 | -20.0% |
| Michigan | $3,262 | $1,384 | 73.7% |
| Minnesota | $1,570 | -$308 | -16.4% |
| Mississippi | $2,250 | $372 | 19.8% |
| Missouri | $1,666 | -$212 | -11.3% |
| Montana | $2,018 | $140 | 7.5% |
| Nebraska | $1,480 | -$398 | -21.2% |
| Nevada | $2,252 | $374 | 19.9% |
| New Hampshire | $1,354 | -$524 | -27.9% |
| New Jersey | $2,098 | $220 | 11.7% |
| New Mexico | $1,662 | -$216 | -11.5% |
| New York | $1,978 | $100 | 5.3% |
| North Carolina | $1,084 | -$794 | -42.3% |
| North Dakota | $1,536 | -$342 | -18.2% |
| Ohio | $1,298 | -$580 | -30.9% |
| Oklahoma | $1,928 | $50 | 2.7% |
| Oregon | $1,720 | -$158 | -8.4% |
| Pennsylvania | $1,792 | -$86 | -4.6% |
| Rhode Island | $2,506 | $628 | 33.4% |
| South Carolina | $1,702 | -$176 | -9.4% |
| South Dakota | $1,584 | -$294 | -15.7% |
| Tennessee | $1,644 | -$234 | -12.5% |
| Texas | $2,262 | $384 | 20.4% |
| Utah | $1,388 | -$490 | -26.1% |
| Vermont | $1,284 | -$594 | -31.6% |
| Virginia | $1,124 | -$754 | -40.1% |
| Washington | $1,450 | -$428 | -22.8% |
| West Virginia | $1,722 | -$156 | -8.3% |
| Wisconsin | $1,300 | -$578 | -30.8% |
| Wyoming | $1,670 | -$208 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayenne | $1,612 | $134 |
| Porsche Cayenne S | $1,736 | $145 |
| Porsche Cayenne GTS | $1,822 | $152 |
| Porsche Cayenne S Transyberia | $1,822 | $152 |
| Porsche Cayenne GTS PD Edition 3 | $1,948 | $162 |
| Porsche Cayenne Turbo | $2,002 | $167 |
| Porsche Cayenne Turbo S | $2,228 | $186 |
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 | $458 | $864 | $398 | $1,878 |
| 2023 Porsche Cayenne | $442 | $842 | $416 | $1,858 |
| 2022 Porsche Cayenne | $426 | $808 | $430 | $1,822 |
| 2021 Porsche Cayenne | $402 | $780 | $442 | $1,782 |
| 2020 Porsche Cayenne | $388 | $724 | $452 | $1,722 |
| 2019 Porsche Cayenne | $372 | $680 | $456 | $1,666 |
| 2018 Porsche Cayenne | $356 | $610 | $460 | $1,584 |
| 2017 Porsche Cayenne | $334 | $562 | $460 | $1,514 |
| 2016 Porsche Cayenne | $322 | $526 | $464 | $1,470 |
| 2015 Porsche Cayenne | $314 | $492 | $474 | $1,438 |
| 2014 Porsche Cayenne | $290 | $456 | $474 | $1,378 |
| 2013 Porsche Cayenne | $282 | $414 | $478 | $1,332 |
| 2012 Porsche Cayenne | $264 | $380 | $474 | $1,276 |
| 2011 Porsche Cayenne | $248 | $344 | $474 | $1,224 |
| 2010 Porsche Cayenne | $240 | $308 | $468 | $1,174 |
| 2009 Porsche Cayenne | $236 | $302 | $460 | $1,156 |
| 2008 Porsche Cayenne | $232 | $288 | $452 | $1,130 |
| 2006 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 Shop for Cheaper Porsche Cayenne Insurance
Saving money on auto insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the car insurance concepts touched on in the above illustrations.
- Drivers with multiple at-fault accidents may pay on average $2,190 more each year than a driver with a clean driving record
- You may be able to save as much as $240 per year just by shopping early and online
- Increasing deductibles could save as much as $875 each year
- Consumers who require additional liability coverage will pay about $440 every year to go from a minimum limit to a 250/500 level
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 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 | $6,696 |
| 20 | $4,336 |
| 30 | $1,982 |
| 40 | $1,878 |
| 50 | $1,710 |
| 60 | $1,678 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,460 |
| $250 | $2,188 |
| $500 | $1,878 |
| $1,000 | $1,578 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,878 |
| 50/100 | $2,308 |
| 100/300 | $2,407 |
| 250/500 | $2,666 |
| 100 CSL | $2,347 |
| 300 CSL | $2,566 |
| 500 CSL | $2,726 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,632 |
| 20 | $6,900 |
| 30 | $4,190 |
| 40 | $4,070 |
| 50 | $3,882 |
| 60 | $3,850 |
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 | $103 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $124 |
| Paid in Full/EFT | $95 |
| Advance Quote | $98 |
| Online Quote | $138 |
| Total Discounts | $830 |
Discounts are estimated and may not be available from every company or in every state.
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