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.

Average insurance rates for a Porsche Cayenne are $1,894 a year including full coverage. Comprehensive costs around $476, collision insurance costs $870, and liability is estimated at $390. A policy with just liability insurance costs approximately $452 a year, and coverage for high-risk drivers costs around $4,100. Teens receive the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,894

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Cayenne models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.

These examples highlight why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below breaks down average Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $1,058
• Choosing higher $1,000 deductibles can save about $306 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,894
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $2,488
• Higher-risk drivers with serious driving violations could pay at least $4,100
• The cost for full coverage for a 16-year-old driver for full coverage can be $6,710 each year

View Chart as Image

Insurance rates for a Porsche Cayenne can also vary considerably based on your driver profile, the model of your Cayenne, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,700 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $900 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $2,200 to $3,000 additional per year, depending on your age. Porsche Cayenne insurance for high-risk drivers ranges from 45% to 130% more than the average 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 the Best Cheap Porsche Cayenne Insurance

Saving money on insurance for a Porsche Cayenne takes having a decent driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a quick review of the ideas that were illustrated above.

• 16 to 18-year-old drivers are charged the highest rates, as much as $559 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $2,210 more every year than a driver with a clean driving record
• Increasing deductibles can save around $900 each year
• You may be able to save up to $240 per year just by quoting online well ahead of the renewal date

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.