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 $1,936 every 12 months including full coverage. Comprehensive costs around $500 each year, collision costs $906, and liability costs $372. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $4,184. 16-year-old drivers cost the most to insure at $6,802 a year or more.

Average premium for full coverage: $1,936

Policy rates for type of insurance:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $1,082
• Drivers who choose higher $1,000 deductibles will pay about $320 every year
• The average price for a good driver age 40 using $500 deductibles is $1,936
• Buying low deductibles for comprehensive and collision insurance increases the price to $2,554
• Higher-risk drivers with multiple tickets or accidents could pay at least $4,184 or more
• Policy cost to insure a teen driver can be $6,802 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $940 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,800 per year on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $6,800 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 likely paying at least $2,300 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Porsche Cayenne insurance prices. A 40-year-old driver could pay as low as $1,480 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,760 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, so the rates will be varied.

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 Cheap Porsche Cayenne Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $240 per year simply by quoting online in advance
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $2,250 more every year to buy Porsche Cayenne insurance
• Increasing comprehensive and collision deductibles could save as much as $950 each year
• Drivers age 20 and younger pay higher rates, with premiums being up to $567 each month if they have full coverage

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.