Porsche Cayenne Insurance Rates
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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.
Estimated auto insurance rates for a Porsche Cayenne are $1,722 annually for full coverage. Comprehensive insurance costs approximately $388 each year, collision costs $724, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing $3,736 or more. Teens pay the most at $6,290 a year or more.
Average premium for full coverage: $1,722
Premium estimates by type of coverage:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Cayenne models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Porsche Cayenne go from as cheap as $504 for just liability insurance to a high rate of $3,736 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates how your location can change auto insurance prices.
These rate differences show why all drivers should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.
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 shows estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $970
- Using higher $1,000 deductibles will save $254 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,722
- Selecting low deductibles for physical damage coverage costs an additional $488 every year
- Drivers with serious driving violations could pay around $3,736 or more
- An auto insurance policy with full coverage for a teen driver can cost $6,290 or more
Car insurance prices for a Porsche Cayenne also have a wide range based on the model of your Cayenne, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $6,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,800 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $750 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 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 $1,130 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,450 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Porsche Cayenne S||$1,602||$134|
|Porsche Cayenne GTS||$1,674||$140|
|Porsche Cayenne S Transyberia||$1,674||$140|
|Porsche Cayenne GTS PD Edition 3||$1,780||$148|
|Porsche Cayenne Turbo||$1,828||$152|
|Porsche Cayenne Turbo S||$2,014||$168|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Porsche Cayenne||$388||$724||$452||$1,722|
|2016 Porsche Cayenne||$372||$680||$456||$1,666|
|2011 Porsche Cayenne||$290||$456||$474||$1,378|
|2010 Porsche Cayenne||$282||$414||$478||$1,332|
|2009 Porsche Cayenne||$264||$380||$474||$1,276|
|2008 Porsche Cayenne||$248||$344||$474||$1,224|
|2006 Porsche Cayenne||$236||$302||$460||$1,156|
|2004 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 Buy the Cheapest Porsche Cayenne Insurance
Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a recap of the ideas that were illustrated above.
- Teens pay the highest auto insurance prices, as much as $524 per month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents pay on average $2,010 more per year for Cayenne insurance
- Increasing policy deductibles could save up to $750 each year
- Drivers can save around $210 per year simply by quoting online in advance
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.
|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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$133|
|5-yr Claim Free||$113|
|Paid in Full/EFT||$83|
Discounts are estimated and may not be available from every company or in every state.