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 prices for a Porsche Cayenne are $1,894 every 12 months for full coverage insurance. Comprehensive insurance costs on average $476 a year, collision insurance costs $870, and liability insurance is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $4,100 or more. 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:

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Cayenne trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below illustrates 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 $1,588 each year
• The average price for the average middle-age driver with $500 deductibles is $1,894
• Using low $100 deductibles costs an extra $594 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,100
• The price to insure a teen driver may cost $6,710

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Cayenne.

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

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $2,200 to $3,000 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

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 $1,240 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,560 on average in Michigan, New York, and Florida.

View Chart as Image

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 Affordable Porsche Cayenne Insurance

Getting lower rates on Porsche Cayenne insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the data that was presented in the illustrations above.

• It is possible to save as much as $240 per year just by quoting early and online
• Drivers who require higher liability limits will pay an extra $430 annually to raise from a low limit to a 250/500 level
• Teens pay higher prices, as much as $559 a month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions 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.