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 $1,894 annually with full coverage. Comprehensive costs an estimated $476, collision costs $870, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing around $4,100. Teen drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details estimated Porsche Cayenne insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,058
• Choosing higher $1,000 deductibles can save approximately $306 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,894
• Choosing more expensive low deductibles for comp and collision coverage will cost $2,488
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,100 or more
• The price with full coverage for a 16-year-old driver with full coverage can cost as much as $6,710 each year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $2,200 to $3,000 in extra premium each year, depending on your age. High-risk driver insurance ranges from 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $900 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,560 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices 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 the Right Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the primary concepts that were illustrated above.

• You may be able to save approximately $240 per year simply by shopping early and online
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $2,210 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $900 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $559 a 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.