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 prices for a Porsche Cayenne are $1,878 every 12 months for full coverage. Comprehensive costs approximately $458, collision insurance costs $864, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs around $4,070. Teens cost the most to insure at up to $6,696 a year.

Average premium for full coverage: $1,878

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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 shows average Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $1,048
• Raising to $1,000 deductibles will save $300 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,878
• Selecting more expensive low deductibles increases the price to $2,460
• At-risk drivers with serious driving violations could pay around $4,070
• Policy cost to insure a teen driver with full coverage can cost $6,696

View Chart as Image

Car insurance rates for a Porsche Cayenne also range considerably based on liability limits and deductibles, your driver profile, and the model of your Cayenne.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $890 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $6,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 131% more than the average policy. View High Risk Driver Rates

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

View Chart as Image

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 Low Cost Porsche Cayenne Insurance

Finding cheaper rates on car insurance consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a review of the data that was touched on above.

• Drivers can save around $240 per year just by shopping early and online
• Policyholders who purchase increased levels of liability coverage will pay approximately $440 each year to raise from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger pay the highest auto insurance rates, costing up to $558 each month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $2,190 more per year to buy Porsche Cayenne insurance

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.