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 for full coverage. Comprehensive insurance costs around $458 each year, collision costs $864, and liability coverage is $398. Buying just liability costs around $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 for type of insurance:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $1,048
• Raising to $1,000 deductibles will save about $300 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,878
• Buying low deductibles will cost an additional $582 each year
• Unlucky drivers with multiple tickets or accidents could pay at least $4,070 or more
• Policy cost that insures a teenage driver can be $6,696

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,200 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,700 every 12 months 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 as much as $6,600 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or at least $2,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $890 a year, whereas increasing liability limits will increase rates. Going 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 only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company 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 the Right Porsche Cayenne Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop at least once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a quick rundown of the primary concepts that were presented in the illustrations above.

• Drivers can save up to $240 per year simply by quoting online in advance
• Drivers with reckless driving or DUI convictions pay on average $2,190 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $875 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $558 each month if full coverage 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.