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 $1,878 a year including full coverage. Comprehensive insurance costs an estimated $458 a year, collision costs $864, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing $4,070 or more. 16-year-old drivers cost the most to insure at $6,696 a year or more.

Average premium for full coverage: $1,878

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to get quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $1,048
• Choosing higher $1,000 deductibles can save approximately $1,578 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,878
• Buying low $100 deductibles for comp and collision coverage will cost an additional $582 a year
• High-risk insureds with multiple tickets or accidents could pay up to $4,070 or more
• Policy cost that insures a teen driver can cost as much as $6,696 each year

View Chart as Image

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

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $6,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,440 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,680 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $890 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the 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 Affordable Porsche Cayenne Insurance

Finding cheaper rates on Porsche Cayenne insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the ideas that were touched on above.

• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $558 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $2,190 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $875 each year
• You may be able to save approximately $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.