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.

Estimated insurance rates for a Porsche Cayenne are $1,894 a year for full coverage insurance. Comprehensive costs around $476 each year, collision insurance costs $870, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, and high-risk coverage costs around $4,100. Teen drivers pay the most at up to $6,710 a year.

Average premium for full coverage: $1,894

Premium estimates for type of coverage:

Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Cayenne models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below illustrates average Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $1,058
• Choosing higher $1,000 deductibles can save about $306 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,894
• Choosing low deductibles for comp and collision coverage bumps up the cost to $2,488
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,100
• An auto insurance policy that insures a 16-year-old driver can be $6,710 each year

View Chart as Image

Insurance prices for a Porsche Cayenne also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $2,200 to $3,000 extra annually, depending on your age. Insurance for high-risk drivers ranges from 45% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $6,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,560 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $900 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

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 Find the Right Porsche Cayenne Insurance

Finding better rates on insurance for a Porsche Cayenne takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around once a year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a quick rundown of the data that was covered above.

• It is possible to save up to $240 per year just by quoting online in advance
• Insureds who may need more liability coverage will pay about $430 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teen drivers pay higher prices, with premiums being up to $559 per month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $2,210 more every year to insure their Cayenne

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.