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 $1,894 every 12 months for full coverage insurance. Comprehensive costs an estimated $476, collision costs $870, and liability coverage is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing around $4,100. Teen drivers cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Analysis

The chart below illustrates 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 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,894
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $2,488
• Drivers with multiple violations and an at-fault accident could pay up to $4,100 or more
• Policy cost to insure a teenage driver with full coverage can cost as much as $6,710 each year

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles can save as much as $900 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $6,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $2,200 to $3,000 additional every year, depending on your age. High-risk driver insurance ranges around 45% to 130% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,560 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Cheaper Porsche Cayenne Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the ideas that were covered above.

• Teen drivers are expensive to insure, possibly costing $559 each month if full coverage is included
• Drivers with multiple at-fault accidents could be forced to pay on average $2,210 more annually to insure their Cayenne
• Increasing comprehensive and collision deductibles could save as much as $900 each year
• It is possible to save approximately $240 per year simply by shopping early and online

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.