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 $1,894 a year with full coverage. Comprehensive costs around $476, collision costs $870, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $4,100. Teen drivers cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $1,058
• Raising to $1,000 deductibles will save about $306 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,894
• Choosing more expensive low deductibles will increase the cost to $2,488
• Drivers with multiple violations and an at-fault accident could pay at least $4,100 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $6,710

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $900 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 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 may be forking out at least $2,200 to $3,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, 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 the Best Cheap Porsche Cayenne Insurance

Finding cheaper rates on insurance for a Porsche Cayenne consists of being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the data touched on above.

• Insureds who may need an increased level of liability coverage will pay about $430 every year to raise from a 30/60 limit to 250/500 limits
• You may be able to save up to $240 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $900 each year
• Drivers age 16 to 20 are charged the highest rates, as much as $559 each month including comprehensive and collision 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.