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.

Estimated auto insurance rates for a Porsche Cayenne are $1,878 annually for full coverage. Comprehensive costs an estimated $458, collision costs $864, and liability insurance is estimated at $398. A policy with only liability insurance costs approximately $460 a year, with a high-risk policy costing around $4,070. Teenage drivers pay the most at $6,696 a year or more.

Average premium for full coverage: $1,878

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Cayenne trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below shows estimated Porsche Cayenne insurance rates for other coverage scenarios.

• The best discount rate is $1,048
• Choosing higher $1,000 deductibles can save approximately $300 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,878
• Using more expensive low deductibles for comp and collision coverage will cost $2,460
• High-risk insureds who are prone to accidents and violations could pay up to $4,070 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $6,696 each year

View Chart as Image

Car insurance prices for a Porsche Cayenne also have a wide range based on the model of your Cayenne, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $6,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $2,200 to $3,000 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $890 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Best Cheap Porsche Cayenne Insurance

Finding better rates on Porsche Cayenne insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a quick review of the ideas that were covered in the charts and tables above.

• Teenagers have the highest car insurance prices, as much as $558 per month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $2,190 more annually for car insurance
• Increasing policy deductibles could save up to $875 each year
• Drivers can save approximately $240 per year simply by shopping 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.