Porsche Cayenne Insurance Rates

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 $1,894 a year with full coverage. Comprehensive costs on average $476, collision costs $870, and liability insurance costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing around $4,100. 16-year-old drivers receive the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Cayenne trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

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 prices based on a specific location and risk profile, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details estimated Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $1,058
• Using higher $1,000 deductibles will save around $306 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,894
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $2,488
• Drivers with multiple tickets or accidents could pay upwards of $4,100 or more
• The cost for full coverage for a teen driver with full coverage may cost $6,710 or more

View Chart as Image

Car insurance rates for a Porsche Cayenne can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

An older driver with no driving violations and high deductibles could pay as little as $1,700 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

Where you live has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see rates as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or at least $2,560 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $900 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $2,200 to $3,000 extra per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Cheapest Porsche Cayenne Insurance

Saving money on Porsche Cayenne insurance requires being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

The following list is a recap of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that have major violations or accidents may be required to pay an average of $2,210 more each year than a safer driver
• You may be able to save as much as $240 per year simply by shopping early and online
• Increasing deductibles can save around $900 each year
• Drivers who require an increased level of liability coverage will pay around $430 every year to increase from a minimum limit to 250/500 limits

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.

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

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.

• Cadillac ATS
• Infiniti Q50
• Jaguar F-TYPE

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.