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 prices for a Porsche Cayenne are $1,878 every 12 months with full coverage. Comprehensive insurance costs around $458, collision insurance costs $864, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs $4,070 or more. Teenage drivers receive the highest rates at up to $6,696 a year.

Average premium for full coverage: $1,878

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. 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 can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The best discount rate is $1,048
• Using higher $1,000 deductibles will save about $300 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,878
• Using more expensive low deductibles for physical damage coverage costs an extra $582 annually
• High-risk insureds who are prone to accidents and violations could pay at least $4,070
• The cost to insure a 16-year-old driver with full coverage can be $6,696 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $890 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $6,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,200 to $3,000 in extra premium per year, depending on your age. High-risk driver insurance can be from 45% to 131% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates as low as $1,350 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,530 on average in Florida, Michigan, and New York.

View Chart as Image

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 Best Porsche Cayenne Insurance

Saving money on insurance for a Porsche Cayenne requires being a good driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $240 per year just by shopping early and online
• Drivers considered higher risk who tend to receive serious violations pay on average $2,190 more every year than a safer driver
• Increasing deductibles could save as much as $875 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $558 per month if comprehensive and collision insurance is included

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.