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 rates for a Porsche Cayenne are $1,936 a year for full coverage insurance. Comprehensive insurance costs an estimated $500 a year, collision costs $906, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $4,184 or more. Teenage drivers cost the most to insure at $6,802 a year or more.

Average premium for full coverage: $1,936

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $1,082
• Drivers who choose higher $1,000 deductibles will pay approximately $1,616 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,936
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $618 each year
• High-risk insureds who are prone to accidents and violations could pay up to $4,184 or more
• Policy cost for full coverage for a teenage driver can cost as much as $6,802 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,800 per year on average, or $150 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,800 a year. View Rates by Age

Your home state makes a big difference in Porsche Cayenne insurance rates. A 40-year-old driver could pay as low as $1,260 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,610 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $940 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $2,300 to $3,000 additional every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Low Cost Porsche Cayenne Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the data that was covered in the above illustrations.

• It is possible to save approximately $240 per year simply by quoting early and online
• Consumers who want more liability coverage will pay an extra $410 annually to go from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, possibly costing $567 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $2,250 more annually 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.