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.

U.S. average auto insurance rates for a Porsche Cayenne are $1,878 annually including full coverage. Comprehensive insurance costs around $458, collision costs $864, and liability costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing $4,070 or more. Teens pay the highest rates at $6,696 a year or more.

Average premium for full coverage: $1,878

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Cayenne models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $1,048
• Using higher $1,000 deductibles will save about $300 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,878
• Selecting pricier low deductibles for physical damage coverage costs an additional $582 every year
• Drivers with serious driving violations could pay at least $4,070 or more
• The price with full coverage for a teen driver for full coverage can be $6,696 or more

View Chart as Image

Car insurance prices for a Porsche Cayenne are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $6,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $2,200 to $3,000 extra each year, depending on your age. Porsche Cayenne insurance for high-risk drivers can be as much as 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $890 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see prices as low as $1,440 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,680 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite 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 Low Cost Porsche Cayenne Insurance

Getting lower rates on car insurance requires having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a review of the data that was illustrated above.

• You may be able to save up to $240 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need additional liability coverage will pay approximately $440 per year to increase from a low limit to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $558 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $2,190 more every year than a driver with a clean driving record

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.