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.

U.S. average insurance prices for a Porsche Cayenne are $1,894 every 12 months including full coverage. Comprehensive costs an estimated $476, collision costs $870, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing around $4,100. 16-year-old drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Cayenne models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates the difference location can make on insurance prices.

The ranges above highlight why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $1,058
• Choosing higher $1,000 deductibles can save approximately $306 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,894
• Buying pricier low deductibles for comp and collision coverage increases the price to $2,488
• Higher-risk drivers with multiple tickets or accidents could pay up to $4,100 or more
• The price to insure a 16-year-old driver for full coverage can cost as much as $6,710 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $900 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $6,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $2,200 to $3,000 in extra premium each year, depending on your age. Porsche Cayenne insurance for high-risk drivers ranges from 45% to 130% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay 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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.

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 Shop for Cheaper Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne takes being a safe and courteous driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a condensed summary of the concepts that were touched on in this article.

• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $2,210 more annually for auto insurance
• Teenage drivers are the costliest to insure, possibly costing $559 a month if comprehensive and collision insurance is included
• You may be able to save approximately $240 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $900 each year
• You may be able to save approximately $240 per year simply by quoting online well ahead of the renewal date

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.