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 insurance rates for a Porsche Cayenne are $1,894 a year including full coverage. Comprehensive costs on average $476 each year, collision insurance costs $870, and liability coverage is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $4,100. Teenage drivers pay the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

More Rate Details

The chart below breaks down average Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,058
• Raising to $1,000 deductibles will save around $306 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,894
• Using low deductibles will increase the cost to $2,488
• Unlucky drivers who are prone to accidents and violations could pay upwards of $4,100
• The price for full coverage for a teenage driver may cost $6,710

View Chart as Image

Auto insurance prices for a Porsche Cayenne are also quite variable based on your driving record, the model of your Cayenne, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $6,700 a year. View Rates by Age

The state you live in also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find prices as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $900 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,000 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

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 Find More Affordable Porsche Cayenne Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a summary of the data that was raised in the charts and tables above.

• You may be able to save as much as $240 per year just by quoting online in advance
• Consumers who require higher liability limits will pay an extra $430 per year to raise from a low limit to 250/500 limits
• Teens are charged the highest prices, possibly costing $559 a month if they have full coverage
• Drivers who have multiple accidents or major violations may pay on average $2,210 more each year for 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.