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 prices for a Porsche Cayenne are $1,878 every 12 months including full coverage. Comprehensive costs approximately $458 a year, collision costs $864, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing around $4,070. Teen drivers cost the most to insure at $6,696 a year or more.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of using 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 and risk scenarios.

• The lowest rate with discounts is $1,048
• Using higher $1,000 deductibles will save $1,578 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,878
• Choosing low $100 deductibles for physical damage coverage increases the price to $2,460
• Drivers with multiple violations and an at-fault accident could pay around $4,070 or more
• Policy cost to insure a teen driver can cost $6,696 or more

View Chart as Image

Car insurance rates for a Porsche Cayenne also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Cayenne.

Choosing high deductibles could cut rates by as much as $890 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $6,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates as low as $1,440 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes 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 Shop for the Right Porsche Cayenne Insurance

Finding cheaper rates on car insurance requires having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the ideas that were raised in the charts and tables above.

• Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $558 each month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $2,190 more per year to buy Porsche Cayenne insurance
• Increasing comprehensive and collision deductibles could save as much as $875 each year
• You may be able to save around $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.