Porsche Cayenne Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $500
Collision $906
Liability $372

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.

Liability Only $438
Full Coverage $1,936
High Risk $4,184

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.

Rural Areas $1,452
Small Cities $2,033
Large Cities $2,614

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

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing Porsche Cayenne insurance prices range from $1,082 to $6,802 for full coverage

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.

Porsche Cayenne Insurance Rates by State
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%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

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

Porsche Cayenne Insurance Rates by Model and Trim Level
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.

Porsche Cayenne Insurance Rates by Model Year
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 Ratings
Vehicle TestedOverallFrontalSideRollover
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne S SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne Coupe SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Turbo SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Coupe Turbo SUV AWDN/RN/RN/RN/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.

Rates by Driver Age

Porsche Cayenne Insurance 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

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,554
$250 $2,266
$500 $1,936
$1,000 $1,616

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
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

Porsche Cayenne Insurance 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.

SR-22 Surcharge $272

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
Rate after discounts $1,082

Discounts are estimated and may not be available from every company or in every state.

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