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.

Estimated auto insurance rates for a Porsche Cayenne are $1,894 annually including full coverage. Comprehensive insurance costs approximately $476 a year, collision costs $870, and liability costs around $390. A policy with only liability insurance costs as low as $452 a year, with a high-risk policy costing $4,100 or more. 16-year-old drivers pay the most at $6,710 a year or more.

Average premium for full coverage: $1,894

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Cayenne trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $1,058
• Using higher $1,000 deductibles will save $1,588 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,894
• Buying low $100 deductibles for physical damage coverage costs an additional $594 annually
• High-risk insureds with multiple tickets or accidents could pay around $4,100 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $6,710 or more

View Chart as Image

Car insurance prices for a Porsche Cayenne also have a wide range based on the model of your Cayenne, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $6,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $3,000 extra annually, depending on your age. A high-risk auto insurance policy can be from 45% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $900 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see prices as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,700 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different 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 Affordable Porsche Cayenne Insurance

Finding better rates on insurance for a Porsche Cayenne requires being safe and accident-free, having a good credit score, refrain from filing small claims, and avoiding coverage lapses. Invest the time to compare rates every year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the coverage data presented in the illustrations above.

• You may be able to save around $240 per year simply by quoting early and online
• Increasing policy deductibles could save up to $900 each year
• Youthful drivers pay the highest auto insurance prices, with the cost nearing $559 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $2,210 more per year than a low-risk driver

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.