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.

The average auto insurance rates for a Porsche Cayenne are $1,894 annually with full coverage. Comprehensive costs around $476 a year, collision costs $870, and liability coverage is estimated at $390. Liability-only insurance costs approximately $452 a year, with high-risk driver insurance costing around $4,100. Teens cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates for type of insurance:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated 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 $1,588 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,894
• Selecting low $100 deductibles for comp and collision coverage will cost $2,488
• Drivers with serious driving violations could pay at least $4,100 or more
• Policy cost with full coverage for a teenage driver can be $6,710 each year

View Chart as Image

Auto insurance rates for a Porsche Cayenne also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $6,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $2,200 to $3,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $900 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Porsche Cayenne insurance rates. A good driver about age 40 could pay 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

Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.

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 Buy the Best Cheap Porsche Cayenne Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the primary concepts that were covered above.

• You may be able to save up to $240 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation may pay on average $2,210 more every year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $900 each year
• Teenage drivers are expensive to insure, as much as $559 each month if full coverage is included

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.