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

Average premium for full coverage: $1,878

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Cayenne trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates estimated Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $1,048
• Using higher $1,000 deductibles will save around $300 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,878
• Choosing more expensive low deductibles for physical damage coverage costs an extra $582 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,070 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $6,696 or more

View Chart as Image

Auto insurance prices for a Porsche Cayenne also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Cayenne.

Choosing high deductibles could cut prices by as much as $890 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $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, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $6,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $2,200 to $3,000 in extra premium annually, depending on your age. High-risk driver insurance can be from 45% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see prices as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,530 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.

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

Finding better rates on insurance for a Porsche Cayenne requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.

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

• It is possible to save as much as $240 per year simply by shopping early and online
• Teens are charged the highest prices, with premiums being up to $558 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $875 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $2,190 more each year for Cayenne insurance
• Insureds who require higher liability limits will pay about $440 annually to increase from 30/60 bodily injury limits to a 250/500 level

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.