Porsche Cayenne Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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
Using a 40-year-old driver as an example, Porsche Cayenne insurance prices range from as low as $452 for just liability insurance to a high rate of $4,100 for a driver that may need high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,712 | -$182 | -9.6% |
| Alaska | $1,454 | -$440 | -23.2% |
| Arizona | $1,574 | -$320 | -16.9% |
| Arkansas | $1,894 | -$0 | 0.0% |
| California | $2,160 | $266 | 14.0% |
| Colorado | $1,810 | -$84 | -4.4% |
| Connecticut | $1,948 | $54 | 2.9% |
| Delaware | $2,144 | $250 | 13.2% |
| Florida | $2,372 | $478 | 25.2% |
| Georgia | $1,750 | -$144 | -7.6% |
| Hawaii | $1,362 | -$532 | -28.1% |
| Idaho | $1,282 | -$612 | -32.3% |
| Illinois | $1,412 | -$482 | -25.4% |
| Indiana | $1,428 | -$466 | -24.6% |
| Iowa | $1,280 | -$614 | -32.4% |
| Kansas | $1,800 | -$94 | -5.0% |
| Kentucky | $2,586 | $692 | 36.5% |
| Louisiana | $2,806 | $912 | 48.2% |
| Maine | $1,168 | -$726 | -38.3% |
| Maryland | $1,564 | -$330 | -17.4% |
| Massachusetts | $1,516 | -$378 | -20.0% |
| Michigan | $3,294 | $1,400 | 73.9% |
| Minnesota | $1,584 | -$310 | -16.4% |
| Mississippi | $2,268 | $374 | 19.7% |
| Missouri | $1,680 | -$214 | -11.3% |
| Montana | $2,036 | $142 | 7.5% |
| Nebraska | $1,496 | -$398 | -21.0% |
| Nevada | $2,274 | $380 | 20.1% |
| New Hampshire | $1,366 | -$528 | -27.9% |
| New Jersey | $2,118 | $224 | 11.8% |
| New Mexico | $1,678 | -$216 | -11.4% |
| New York | $1,996 | $102 | 5.4% |
| North Carolina | $1,092 | -$802 | -42.3% |
| North Dakota | $1,552 | -$342 | -18.1% |
| Ohio | $1,308 | -$586 | -30.9% |
| Oklahoma | $1,946 | $52 | 2.7% |
| Oregon | $1,736 | -$158 | -8.3% |
| Pennsylvania | $1,808 | -$86 | -4.5% |
| Rhode Island | $2,528 | $634 | 33.5% |
| South Carolina | $1,718 | -$176 | -9.3% |
| South Dakota | $1,598 | -$296 | -15.6% |
| Tennessee | $1,660 | -$234 | -12.4% |
| Texas | $2,284 | $390 | 20.6% |
| Utah | $1,402 | -$492 | -26.0% |
| Vermont | $1,296 | -$598 | -31.6% |
| Virginia | $1,136 | -$758 | -40.0% |
| Washington | $1,464 | -$430 | -22.7% |
| West Virginia | $1,736 | -$158 | -8.3% |
| Wisconsin | $1,312 | -$582 | -30.7% |
| Wyoming | $1,690 | -$204 | -10.8% |

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
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayenne | $1,622 | $135 |
| Porsche Cayenne S | $1,752 | $146 |
| Porsche Cayenne GTS | $1,838 | $153 |
| Porsche Cayenne S Transyberia | $1,838 | $153 |
| Porsche Cayenne GTS PD Edition 3 | $1,968 | $164 |
| Porsche Cayenne Turbo | $2,024 | $169 |
| Porsche Cayenne Turbo S | $2,252 | $188 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Porsche Cayenne | $476 | $870 | $390 | $1,894 |
| 2023 Porsche Cayenne | $458 | $864 | $398 | $1,878 |
| 2022 Porsche Cayenne | $442 | $842 | $416 | $1,858 |
| 2021 Porsche Cayenne | $426 | $808 | $430 | $1,822 |
| 2020 Porsche Cayenne | $402 | $780 | $442 | $1,782 |
| 2019 Porsche Cayenne | $388 | $724 | $452 | $1,722 |
| 2018 Porsche Cayenne | $372 | $680 | $456 | $1,666 |
| 2017 Porsche Cayenne | $356 | $610 | $460 | $1,584 |
| 2016 Porsche Cayenne | $334 | $562 | $460 | $1,514 |
| 2015 Porsche Cayenne | $322 | $526 | $464 | $1,470 |
| 2014 Porsche Cayenne | $314 | $492 | $474 | $1,438 |
| 2013 Porsche Cayenne | $290 | $456 | $474 | $1,378 |
| 2012 Porsche Cayenne | $282 | $414 | $478 | $1,332 |
| 2011 Porsche Cayenne | $264 | $380 | $474 | $1,276 |
| 2010 Porsche Cayenne | $248 | $344 | $474 | $1,224 |
| 2009 Porsche Cayenne | $240 | $308 | $468 | $1,174 |
| 2008 Porsche Cayenne | $236 | $302 | $460 | $1,156 |
| 2006 Porsche Cayenne | $214 | $274 | $446 | $1,092 |
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 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Porsche Cayenne S SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Porsche Cayenne E-Hybrid SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Porsche Cayenne E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
| 2021 Porsche Cayenne Coupe SUV AWD | N/R | N/R | N/R | N/R |
| 2020 Porsche Cayenne Turbo SUV AWD | N/R | N/R | N/R | N/R |
| 2020 Porsche Cayenne Coupe Turbo SUV AWD | N/R | N/R | N/R | N/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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,710 |
| 20 | $4,362 |
| 30 | $2,002 |
| 40 | $1,894 |
| 50 | $1,724 |
| 60 | $1,692 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,488 |
| $250 | $2,214 |
| $500 | $1,894 |
| $1,000 | $1,588 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,894 |
| 50/100 | $2,330 |
| 100/300 | $2,428 |
| 250/500 | $2,681 |
| 100 CSL | $2,369 |
| 300 CSL | $2,584 |
| 500 CSL | $2,740 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,656 |
| 20 | $6,938 |
| 30 | $4,220 |
| 40 | $4,100 |
| 50 | $3,906 |
| 60 | $3,872 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $104 |
| Multi-vehicle | $97 |
| Homeowner | $25 |
| 5-yr Accident Free | $151 |
| 5-yr Claim Free | $125 |
| Paid in Full/EFT | $96 |
| Advance Quote | $99 |
| Online Quote | $139 |
| Total Discounts | $836 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area