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.

The average insurance rates for a Porsche Cayenne are $1,894 a year with full coverage. Comprehensive costs on average $476 a year, collision costs $870, and liability costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing around $4,100. Teenage drivers cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details 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 $1,588 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,894
• Using low $100 deductibles for physical damage coverage bumps up the cost to $2,488
• High-risk insureds who are prone to accidents and violations could pay upwards of $4,100 or more
• Policy cost that insures a 16-year-old driver may cost $6,710 or more

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on the trim level of your Cayenne, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,200 to $3,000 additional every year, depending on your age. A high-risk auto insurance policy can be from 45% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,700 a year. View Rates by Age

Your home state has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,560 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $900 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied.

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 Best Porsche Cayenne Insurance

Finding cheaper rates on insurance for a Porsche Cayenne requires having a good driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The next list is a brief recap of the concepts that were covered above.

• Drivers considered higher risk who tend to receive serious violations pay on average $2,210 more each year to buy Porsche Cayenne insurance
• Drivers age 20 and younger pay higher rates, as much as $559 each month if comprehensive and collision insurance is included
• You may be able to save as much as $240 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $900 each year
• You may be able to save as much as $240 per year simply by quoting early and online

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.