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.

U.S. average auto insurance rates for a Porsche Cayenne are $1,894 annually including full coverage. Comprehensive costs around $476 each year, collision costs $870, and liability is $390. Buying just liability costs around $452 a year, with insurance for high-risk drivers costing around $4,100. Teen drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Price estimates for individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Cayenne models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $1,058
• Raising to $1,000 deductibles will save about $306 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,894
• Choosing low deductibles will cost $2,488
• Drivers with multiple violations and an at-fault accident could pay at least $4,100 or more
• The price with full coverage for a 16-year-old driver can be $6,710

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $2,200 to $3,000 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $900 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find prices as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.

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 Buy the Cheapest Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne consists of being a good driver, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the information covered in the above illustrations.

• You may be able to save up to $240 per year simply by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, possibly costing $559 a month if they have full coverage
• Increasing physical damage deductibles could save up to $900 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $2,210 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay about $430 per year to raise from a low limit to higher 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.