Porsche Cayenne Insurance Rates
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UPDATED: May 20, 2024
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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 insurance rates for a Porsche Cayenne are $1,936 a year with full coverage. Comprehensive insurance costs an estimated $500, collision insurance costs $906, and liability coverage is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs $4,184 or more. 16-year-old drivers receive the highest rates at up to $6,802 a year.
Average premium for full coverage: $1,936
Rate estimates broken down by individual coverage type:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Cayenne trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $438 for minimum levels of liability insurance to a much higher rate of $4,184 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below details average Porsche Cayenne insurance rates for other coverage scenarios.
- The best full coverage rate is $1,082
- Raising to $1,000 deductibles will save approximately $320 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,936
- Buying more expensive low deductibles will cost an additional $618 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $4,184
- The cost that insures a teenage driver with full coverage can cost as much as $6,802
Car insurance rates for a Porsche Cayenne can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $2,300 to $3,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $6,800 a year. View Rates by Age
Where you live also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,390 a year in states like Utah, Ohio, and New Hampshire, or at least $2,610 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,750 | -$186 | -9.6% |
Alaska | $1,484 | -$452 | -23.3% |
Arizona | $1,606 | -$330 | -17.0% |
Arkansas | $1,936 | -$0 | 0.0% |
California | $2,206 | $270 | 13.9% |
Colorado | $1,850 | -$86 | -4.4% |
Connecticut | $1,990 | $54 | 2.8% |
Delaware | $2,192 | $256 | 13.2% |
Florida | $2,422 | $486 | 25.1% |
Georgia | $1,788 | -$148 | -7.6% |
Hawaii | $1,390 | -$546 | -28.2% |
Idaho | $1,310 | -$626 | -32.3% |
Illinois | $1,442 | -$494 | -25.5% |
Indiana | $1,456 | -$480 | -24.8% |
Iowa | $1,308 | -$628 | -32.4% |
Kansas | $1,840 | -$96 | -5.0% |
Kentucky | $2,642 | $706 | 36.5% |
Louisiana | $2,866 | $930 | 48.0% |
Maine | $1,194 | -$742 | -38.3% |
Maryland | $1,598 | -$338 | -17.5% |
Massachusetts | $1,550 | -$386 | -19.9% |
Michigan | $3,362 | $1,426 | 73.7% |
Minnesota | $1,620 | -$316 | -16.3% |
Mississippi | $2,318 | $382 | 19.7% |
Missouri | $1,718 | -$218 | -11.3% |
Montana | $2,080 | $144 | 7.4% |
Nebraska | $1,528 | -$408 | -21.1% |
Nevada | $2,322 | $386 | 19.9% |
New Hampshire | $1,394 | -$542 | -28.0% |
New Jersey | $2,164 | $228 | 11.8% |
New Mexico | $1,714 | -$222 | -11.5% |
New York | $2,040 | $104 | 5.4% |
North Carolina | $1,116 | -$820 | -42.4% |
North Dakota | $1,584 | -$352 | -18.2% |
Ohio | $1,334 | -$602 | -31.1% |
Oklahoma | $1,988 | $52 | 2.7% |
Oregon | $1,774 | -$162 | -8.4% |
Pennsylvania | $1,848 | -$88 | -4.5% |
Rhode Island | $2,582 | $646 | 33.4% |
South Carolina | $1,754 | -$182 | -9.4% |
South Dakota | $1,634 | -$302 | -15.6% |
Tennessee | $1,696 | -$240 | -12.4% |
Texas | $2,332 | $396 | 20.5% |
Utah | $1,434 | -$502 | -25.9% |
Vermont | $1,324 | -$612 | -31.6% |
Virginia | $1,160 | -$776 | -40.1% |
Washington | $1,498 | -$438 | -22.6% |
West Virginia | $1,774 | -$162 | -8.4% |
Wisconsin | $1,340 | -$596 | -30.8% |
Wyoming | $1,724 | -$212 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $940 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Porsche Cayenne | $1,652 | $138 |
Porsche Cayenne S | $1,786 | $149 |
Porsche Cayenne GTS | $1,876 | $156 |
Porsche Cayenne S Transyberia | $1,876 | $156 |
Porsche Cayenne GTS PD Edition 3 | $2,012 | $168 |
Porsche Cayenne Turbo | $2,070 | $173 |
Porsche Cayenne Turbo S | $2,306 | $192 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Porsche Cayenne | $500 | $906 | $372 | $1,936 |
2023 Porsche Cayenne | $476 | $870 | $390 | $1,894 |
2022 Porsche Cayenne | $458 | $864 | $398 | $1,878 |
2021 Porsche Cayenne | $442 | $842 | $416 | $1,858 |
2020 Porsche Cayenne | $426 | $808 | $430 | $1,822 |
2019 Porsche Cayenne | $402 | $780 | $442 | $1,782 |
2018 Porsche Cayenne | $388 | $724 | $452 | $1,722 |
2017 Porsche Cayenne | $372 | $680 | $456 | $1,666 |
2016 Porsche Cayenne | $356 | $610 | $460 | $1,584 |
2015 Porsche Cayenne | $334 | $562 | $460 | $1,514 |
2014 Porsche Cayenne | $322 | $526 | $464 | $1,470 |
2013 Porsche Cayenne | $314 | $492 | $474 | $1,438 |
2012 Porsche Cayenne | $290 | $456 | $474 | $1,378 |
2011 Porsche Cayenne | $282 | $414 | $478 | $1,332 |
2010 Porsche Cayenne | $264 | $380 | $474 | $1,276 |
2009 Porsche Cayenne | $248 | $344 | $474 | $1,224 |
2008 Porsche Cayenne | $240 | $308 | $468 | $1,174 |
2006 Porsche Cayenne | $232 | $288 | $452 | $1,130 |
2004 Porsche Cayenne | $206 | $260 | $442 | $1,066 |
Rates are averaged for all Porsche Cayenne models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Porsche Cayenne Insurance
Saving money on auto insurance consists of having a good driving record, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a review of the car insurance concepts covered in the above illustrations.
- Drivers who have several accidents or serious violations could be forced to pay on average $2,250 more annually to buy Porsche Cayenne insurance
- You may be able to save approximately $240 per year just by shopping early and online
- Increasing deductibles can save approximately $950 each year
- Consumers who want increased levels of liability coverage will pay around $410 every year to raise from a minimum limit to the 250/500 level
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.
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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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne S SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne E-Hybrid SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne Coupe SUV AWD | N/R | N/R | N/R | N/R |
2020 Porsche Cayenne Turbo SUV AWD | N/R | N/R | N/R | N/R |
2020 Porsche Cayenne Coupe Turbo SUV AWD | N/R | N/R | N/R | N/R |
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.
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $6,802 |
20 | $4,450 |
30 | $2,050 |
40 | $1,936 |
50 | $1,760 |
60 | $1,726 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,554 |
$250 | $2,266 |
$500 | $1,936 |
$1,000 | $1,616 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,936 |
50/100 | $2,380 |
100/300 | $2,473 |
250/500 | $2,715 |
100 CSL | $2,418 |
300 CSL | $2,622 |
500 CSL | $2,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $9,792 |
20 | $7,074 |
30 | $4,308 |
40 | $4,184 |
50 | $3,986 |
60 | $3,950 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $107 |
Multi-vehicle | $98 |
Homeowner | $25 |
5-yr Accident Free | $155 |
5-yr Claim Free | $127 |
Paid in Full/EFT | $99 |
Advance Quote | $101 |
Online Quote | $142 |
Total Discounts | $854 |
Discounts are estimated and may not be available from every company or in every state.
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