Porsche Cayenne Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

U.S. average auto insurance rates for a Porsche Cayenne are $1,666 annually with full coverage. Comprehensive insurance costs an estimated $372, collision costs $680, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $3,618 or more. Teenage drivers pay the highest rates at $6,126 a year or more.

Average premium for full coverage: $1,666

Price estimates broken down by individual coverage:

Comprehensive $372
Collision $680
Liability $456

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Cayenne trim levels.

Price Range from Low to High

For a driver in their 40's, Porsche Cayenne insurance prices go from as cheap as $508 for basic liability insurance to a much higher rate of $3,618 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,666
High Risk $3,618

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

Rural Areas $1,250
Small Cities $1,749
Large Cities $2,249

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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.

Rate Comparisons

The chart below details estimated Porsche Cayenne insurance rates for other coverage scenarios.

  • The best discount rate is $943
  • Using higher $1,000 deductibles will save approximately $238 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,666
  • Using more expensive low deductibles for physical damage coverage costs an additional $466 each year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,618 or more
  • The price with full coverage for a teenage driver with full coverage can cost as much as $6,126 or more

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing full coverage Porsche Cayenne insurance prices range from $943 to $6,126

Car insurance prices for a Porsche Cayenne are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $710 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,250 on average in New York, Michigan, and Florida.

Porsche Cayenne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,508 -$158 -9.5%
Alaska $1,280 -$386 -23.2%
Arizona $1,384 -$282 -16.9%
Arkansas $1,666 -$0 0.0%
California $1,900 $234 14.0%
Colorado $1,594 -$72 -4.3%
Connecticut $1,714 $48 2.9%
Delaware $1,886 $220 13.2%
Florida $2,084 $418 25.1%
Georgia $1,538 -$128 -7.7%
Hawaii $1,196 -$470 -28.2%
Idaho $1,128 -$538 -32.3%
Illinois $1,244 -$422 -25.3%
Indiana $1,256 -$410 -24.6%
Iowa $1,126 -$540 -32.4%
Kansas $1,584 -$82 -4.9%
Kentucky $2,274 $608 36.5%
Louisiana $2,466 $800 48.0%
Maine $1,030 -$636 -38.2%
Maryland $1,374 -$292 -17.5%
Massachusetts $1,334 -$332 -19.9%
Michigan $2,896 $1,230 73.8%
Minnesota $1,396 -$270 -16.2%
Mississippi $1,998 $332 19.9%
Missouri $1,478 -$188 -11.3%
Montana $1,792 $126 7.6%
Nebraska $1,312 -$354 -21.2%
Nevada $1,998 $332 19.9%
New Hampshire $1,200 -$466 -28.0%
New Jersey $1,862 $196 11.8%
New Mexico $1,478 -$188 -11.3%
New York $1,756 $90 5.4%
North Carolina $960 -$706 -42.4%
North Dakota $1,364 -$302 -18.1%
Ohio $1,150 -$516 -31.0%
Oklahoma $1,712 $46 2.8%
Oregon $1,526 -$140 -8.4%
Pennsylvania $1,590 -$76 -4.6%
Rhode Island $2,224 $558 33.5%
South Carolina $1,508 -$158 -9.5%
South Dakota $1,406 -$260 -15.6%
Tennessee $1,460 -$206 -12.4%
Texas $2,008 $342 20.5%
Utah $1,236 -$430 -25.8%
Vermont $1,142 -$524 -31.5%
Virginia $998 -$668 -40.1%
Washington $1,288 -$378 -22.7%
West Virginia $1,526 -$140 -8.4%
Wisconsin $1,156 -$510 -30.6%
Wyoming $1,486 -$180 -10.8%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 $1,454 $121
Porsche Cayenne S $1,556 $130
Porsche Cayenne GTS $1,624 $135
Porsche Cayenne S Transyberia $1,624 $135
Porsche Cayenne GTS PD Edition 3 $1,724 $144
Porsche Cayenne Turbo $1,768 $147
Porsche Cayenne Turbo S $1,946 $162

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 $372 $680 $456 $1,666
2016 Porsche Cayenne $356 $610 $460 $1,584
2011 Porsche Cayenne $282 $414 $478 $1,332
2010 Porsche Cayenne $264 $380 $474 $1,276
2009 Porsche Cayenne $248 $344 $474 $1,224
2008 Porsche Cayenne $240 $308 $468 $1,174
2006 Porsche Cayenne $232 $288 $452 $1,130
2004 Porsche Cayenne $206 $260 $442 $1,066

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 Low Cost Porsche Cayenne Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the ideas that were covered in the charts and tables above.

  • Teen drivers have the highest car insurance prices, costing up to $511 a month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations pay on average $1,950 more annually to insure their Cayenne
  • Increasing physical damage deductibles could save up to $700 each year
  • You may be able to save approximately $210 per year simply by shopping early and online

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

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 $6,126
20 $3,846
30 $1,744
40 $1,666
50 $1,520
60 $1,492

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,132
$250 $1,916
$500 $1,666
$1,000 $1,428

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,666
50/100 $2,037
100/300 $2,151
250/500 $2,448
100 CSL $2,083
300 CSL $2,334
500 CSL $2,516

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayenne Insurance Rates for High Risk Drivers
Age Premium
16 $8,776
20 $6,132
30 $3,704
40 $3,618
50 $3,452
60 $3,422

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 $236

Potential Rate Discounts

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

Discount Savings
Multi-policy $90
Multi-vehicle $88
Homeowner $24
5-yr Accident Free $127
5-yr Claim Free $109
Paid in Full/EFT $79
Advance Quote $85
Online Quote $121
Total Discounts $723
Rate after discounts $943

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

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