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

Average premium for full coverage: $1,878

Rate estimates by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Cayenne trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $1,048
• Choosing higher $1,000 deductibles can save $300 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,878
• Choosing more expensive low deductibles for comp and collision coverage will cost $2,460
• High-risk insureds with multiple violations and an at-fault accident could pay around $4,070 or more
• The cost with full coverage for a teen driver with full coverage can cost $6,696 each year

View Chart as Image

Car insurance rates for a Porsche Cayenne can also vary considerably based on the trim level of your Cayenne, your risk profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $6,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $2,200 to $3,000 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $890 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,530 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes can be significantly 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 Cheaper Porsche Cayenne Insurance

Saving money on Porsche Cayenne insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a condensed summary of the information raised in the charts and tables above.

• It is possible to save around $240 per year simply by shopping early and online
• Teen drivers pay the highest auto insurance rates, costing up to $558 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $875 each year
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $2,190 more per year to insure their Cayenne
• Drivers who purchase more liability coverage will pay about $440 annually to raise limits from a minimum limit to higher 250/500 limits

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.