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: 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:

Comprehensive $388
Collision $724
Liability $452

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.

Liability Only $504
Full Coverage $1,722
High Risk $3,736

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.

Rural Areas $1,292
Small Cities $1,808
Large Cities $2,325

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

View Chart as Image

Porsche Cayenne insurance cost comparison chart
Column chart showing full coverage Porsche Cayenne insurance prices range from $970 to $6,290

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.

Porsche Cayenne Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,556 -$166 -9.6%
Alaska $1,318 -$404 -23.5%
Arizona $1,428 -$294 -17.1%
Arkansas $1,722 -$0 0.0%
California $1,960 $238 13.8%
Colorado $1,642 -$80 -4.6%
Connecticut $1,768 $46 2.7%
Delaware $1,946 $224 13.0%
Florida $2,152 $430 25.0%
Georgia $1,588 -$134 -7.8%
Hawaii $1,236 -$486 -28.2%
Idaho $1,164 -$558 -32.4%
Illinois $1,280 -$442 -25.7%
Indiana $1,296 -$426 -24.7%
Iowa $1,160 -$562 -32.6%
Kansas $1,634 -$88 -5.1%
Kentucky $2,346 $624 36.2%
Louisiana $2,546 $824 47.9%
Maine $1,060 -$662 -38.4%
Maryland $1,418 -$304 -17.7%
Massachusetts $1,376 -$346 -20.1%
Michigan $2,988 $1,266 73.5%
Minnesota $1,440 -$282 -16.4%
Mississippi $2,060 $338 19.6%
Missouri $1,526 -$196 -11.4%
Montana $1,848 $126 7.3%
Nebraska $1,358 -$364 -21.1%
Nevada $2,064 $342 19.9%
New Hampshire $1,242 -$480 -27.9%
New Jersey $1,922 $200 11.6%
New Mexico $1,524 -$198 -11.5%
New York $1,812 $90 5.2%
North Carolina $990 -$732 -42.5%
North Dakota $1,408 -$314 -18.2%
Ohio $1,188 -$534 -31.0%
Oklahoma $1,766 $44 2.6%
Oregon $1,574 -$148 -8.6%
Pennsylvania $1,642 -$80 -4.6%
Rhode Island $2,294 $572 33.2%
South Carolina $1,556 -$166 -9.6%
South Dakota $1,450 -$272 -15.8%
Tennessee $1,504 -$218 -12.7%
Texas $2,072 $350 20.3%
Utah $1,274 -$448 -26.0%
Vermont $1,176 -$546 -31.7%
Virginia $1,030 -$692 -40.2%
Washington $1,328 -$394 -22.9%
West Virginia $1,578 -$144 -8.4%
Wisconsin $1,190 -$532 -30.9%
Wyoming $1,532 -$190 -11.0%

View Chart as Image

Porsche Cayenne insurance rates by U.S. city

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

Porsche Cayenne Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Porsche Cayenne $1,496 $125
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.

Porsche Cayenne Insurance Rates by Model Year
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.

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 $6,290
20 $3,976
30 $1,804
40 $1,722
50 $1,568
60 $1,538

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayenne Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,210
$250 $1,982
$500 $1,722
$1,000 $1,468

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayenne Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,722
50/100 $2,104
100/300 $2,217
250/500 $2,511
100 CSL $2,150
300 CSL $2,398
500 CSL $2,579

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayenne Insurance Rates for High Risk Drivers
Age Premium
16 $9,022
20 $6,334
30 $3,828
40 $3,736
50 $3,564
60 $3,534

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 $245

Potential Rate Discounts

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

Discount Savings
Multi-policy $94
Multi-vehicle $91
Homeowner $25
5-yr Accident Free $133
5-yr Claim Free $113
Paid in Full/EFT $83
Advance Quote $88
Online Quote $125
Total Discounts $752
Rate after discounts $970

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

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