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 with full coverage. Comprehensive insurance costs on average $476, 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. Teens pay the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Cayenne trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $1,058
• Raising to $1,000 deductibles will save around $306 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,894
• Selecting more expensive low deductibles will cost an additional $594 a year
• Higher-risk drivers with serious driving violations could pay upwards of $4,100
• The price that insures a teen driver with full coverage may cost $6,710

View Chart as Image

Insurance prices for a Porsche Cayenne are also quite variable based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,200 to $3,000 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared 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 $1,360 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $900 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

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 Right Porsche Cayenne Insurance

Getting lower rates on Porsche Cayenne insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates every couple of years by requesting rates from direct companies, and also from several local insurance agents.

The points below are a quick rundown of the material that was presented in the illustrations above.

• Drivers who require increased liability limits will pay approximately $430 every year to raise from a low limit to the 250/500 level
• Drivers under the age of 20 pay higher prices, costing up to $559 a month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions pay on average $2,210 more each year to insure a Porsche Cayenne
• Increasing physical damage deductibles can save approximately $900 each year

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.