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.

Average insurance rates for a Porsche Cayenne are $1,894 a year for full coverage. Comprehensive costs an estimated $476 a year, collision costs $870, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $4,100. 16-year-old drivers receive the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Cayenne trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

These examples show why it is important to compare rates quotes for a targeted area, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $1,058
• Raising to $1,000 deductibles will save approximately $1,588 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,894
• Buying low $100 deductibles bumps up the cost to $2,488
• Drivers with multiple tickets or accidents could pay up to $4,100 or more
• The cost that insures a 16-year-old driver can cost as much as $6,710

View Chart as Image

Insurance rates for a Porsche Cayenne can also vary considerably based on the trim level of your Cayenne, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $2,200 to $3,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $6,700 a year. View Rates by Age

Where you live also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,250 a year in states like Iowa, Maine, and Idaho, or at least $2,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $900 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 Find Affordable Porsche Cayenne Insurance

Saving money on insurance for a Porsche Cayenne consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Comparison shop once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the data that was touched on above.

• Drivers can save approximately $240 per year simply by quoting early and online
• Insureds who want higher liability limits will pay around $430 each year to raise from a minimum limit to the 250/500 level
• Teens are charged the highest rates, costing as high as $559 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,210 more annually for Cayenne insurance

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.