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.

The average insurance prices for a Porsche Cayenne are $1,894 every 12 months 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. Teenage drivers cost the most to insure at up to $6,710 a year.

Average premium for full coverage: $1,894

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The examples above illustrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $1,058
• Choosing higher $1,000 deductibles can save about $306 each year
• The average price for a good driver age 40 using $500 deductibles is $1,894
• Using low deductibles for comp and collision coverage increases the price to $2,488
• Higher-risk drivers who are prone to accidents and violations could pay at least $4,100
• Policy cost to insure a 16-year-old driver can be $6,710 each year

View Chart as Image

Insurance rates for a Porsche Cayenne also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $900 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $6,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $2,200 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 130% more than a normal policy. View High Risk Driver Rates

Your home state 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 be forced to pay as much as $2,560 on average in Michigan, New York, and Florida.

View Chart as Image

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 Affordable Porsche Cayenne Insurance

Finding cheaper rates on insurance for a Porsche Cayenne takes having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a brief review of the data touched on in the above illustrations.

• Insureds who may need additional liability coverage will pay an extra $430 annually to raise limits from a 30/60 limit to a 250/500 level
• It is possible to save up to $240 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $900 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $559 each month if full coverage is included

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.