Porsche Cayenne Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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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.

Average insurance rates for a Porsche Cayenne are $1,782 a year for full coverage. Comprehensive costs on average $402 a year, collision costs $780, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,880. Teen drivers receive the highest rates at $6,494 a year or more.

Average premium for full coverage: $1,782

Rate estimates by individual coverage type:

Comprehensive $402
Collision $780
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Cayenne trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,880 for a high risk driver.

Liability Only $496
Full Coverage $1,782
High Risk $3,880

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,337
Small Cities $1,871
Large Cities $2,406

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated Porsche Cayenne insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $997
  • Drivers who choose higher $1,000 deductibles will pay around $1,514 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,782
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,306
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,880 or more
  • The cost for full coverage for a teen driver may cost $6,494 a year

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing full coverage Porsche Cayenne insurance rates range from $997 to $6,494

for a Porsche Cayenne can also vary considerably based on your driver profile, the trim level of your Cayenne, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,400 a year. View Rates by Age

Where you live makes a big difference in Porsche Cayenne insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or as much as $2,540 on average in Michigan, Louisiana, and New York.

Porsche Cayenne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,612 -$170 -9.5%
Alaska $1,368 -$414 -23.2%
Arizona $1,480 -$302 -16.9%
Arkansas $1,782 -$0 0.0%
California $2,032 $250 14.0%
Colorado $1,702 -$80 -4.5%
Connecticut $1,832 $50 2.8%
Delaware $2,018 $236 13.2%
Florida $2,230 $448 25.1%
Georgia $1,646 -$136 -7.6%
Hawaii $1,282 -$500 -28.1%
Idaho $1,206 -$576 -32.3%
Illinois $1,328 -$454 -25.5%
Indiana $1,344 -$438 -24.6%
Iowa $1,202 -$580 -32.5%
Kansas $1,694 -$88 -4.9%
Kentucky $2,432 $650 36.5%
Louisiana $2,640 $858 48.1%
Maine $1,098 -$684 -38.4%
Maryland $1,470 -$312 -17.5%
Massachusetts $1,426 -$356 -20.0%
Michigan $3,098 $1,316 73.8%
Minnesota $1,492 -$290 -16.3%
Mississippi $2,136 $354 19.9%
Missouri $1,582 -$200 -11.2%
Montana $1,916 $134 7.5%
Nebraska $1,406 -$376 -21.1%
Nevada $2,136 $354 19.9%
New Hampshire $1,284 -$498 -27.9%
New Jersey $1,992 $210 11.8%
New Mexico $1,578 -$204 -11.4%
New York $1,878 $96 5.4%
North Carolina $1,026 -$756 -42.4%
North Dakota $1,460 -$322 -18.1%
Ohio $1,232 -$550 -30.9%
Oklahoma $1,832 $50 2.8%
Oregon $1,634 -$148 -8.3%
Pennsylvania $1,702 -$80 -4.5%
Rhode Island $2,380 $598 33.6%
South Carolina $1,614 -$168 -9.4%
South Dakota $1,506 -$276 -15.5%
Tennessee $1,562 -$220 -12.3%
Texas $2,148 $366 20.5%
Utah $1,320 -$462 -25.9%
Vermont $1,220 -$562 -31.5%
Virginia $1,070 -$712 -40.0%
Washington $1,378 -$404 -22.7%
West Virginia $1,634 -$148 -8.3%
Wisconsin $1,234 -$548 -30.8%
Wyoming $1,588 -$194 -10.9%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

Choosing high deductibles could save up to $800 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,100 to $2,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Porsche Cayenne Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Porsche Cayenne $1,544 $129
Porsche Cayenne S $1,656 $138
Porsche Cayenne GTS $1,732 $144
Porsche Cayenne S Transyberia $1,732 $144
Porsche Cayenne GTS PD Edition 3 $1,846 $154
Porsche Cayenne Turbo $1,896 $158
Porsche Cayenne Turbo S $2,096 $175

Rates assume 2017 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.

Porsche Cayenne Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Porsche Cayenne $402 $780 $442 $1,782
2016 Porsche Cayenne $388 $724 $452 $1,722
2011 Porsche Cayenne $314 $492 $474 $1,438
2010 Porsche Cayenne $290 $456 $474 $1,378
2009 Porsche Cayenne $282 $414 $478 $1,332
2008 Porsche Cayenne $264 $380 $474 $1,276
2006 Porsche Cayenne $240 $308 $468 $1,174
2004 Porsche Cayenne $232 $288 $452 $1,130

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 Cheaper Porsche Cayenne Insurance

Saving money on Porsche Cayenne insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $800 each year
  • Drivers can save as much as $220 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $541 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $2,100 more each year for 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.

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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 TestedOverallFrontalSideRollover
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne S SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne E-Hybrid Coupe SUV AWDN/RN/RN/RN/R
2021 Porsche Cayenne Coupe SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Turbo SUV AWDN/RN/RN/RN/R
2020 Porsche Cayenne Coupe Turbo SUV AWDN/RN/RN/RN/R
Get Your Rates Quote Now

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.

Rates by Driver Age

Porsche Cayenne Insurance Rates by Driver Age
Driver Age Premium
16 $6,494
20 $4,130
30 $1,874
40 $1,782
50 $1,626
60 $1,596

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,306
$250 $2,062
$500 $1,782
$1,000 $1,514

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,782
50/100 $2,184
100/300 $2,295
250/500 $2,582
100 CSL $2,229
300 CSL $2,472
500 CSL $2,649

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayenne Insurance Rates for High Risk Drivers
Age Premium
16 $9,322
20 $6,584
30 $3,980
40 $3,880
50 $3,702
60 $3,670

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.

SR-22 Surcharge $255

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $97
Multi-vehicle $94
Homeowner $25
5-yr Accident Free $140
5-yr Claim Free $118
Paid in Full/EFT $88
Advance Quote $93
Online Quote $130
Total Discounts $785
Rate after discounts $997

Discounts are estimated and may not be available from every company or in every state.

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