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.

U.S. average insurance rates for a Porsche Cayenne are $1,894 a year for full coverage. Comprehensive insurance costs approximately $476, collision costs $870, and liability coverage costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing $4,100 or more. Teenage drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The best discount rate is $1,058
• Drivers who choose higher $1,000 deductibles will pay $306 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,894
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $594 each year
• High-risk insureds who are prone to accidents and violations could pay around $4,100 or more
• The price for full coverage for a teenage driver with full coverage can cost $6,710 a year

View Chart as Image

Auto insurance prices for a Porsche Cayenne are also quite variable based on your driving record, the trim level of your Cayenne, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may only pay around $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $6,700 a year. View Rates by Age

The state you live in makes a big difference in Porsche Cayenne insurance rates. A 40-year-old driver could pay as low as $1,250 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $900 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $2,200 to $3,000 in extra premium each year, depending on your age. High-risk driver insurance can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different 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

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a quick review of the primary concepts that were covered above.

• Drivers can save around $240 per year simply by shopping early and online
• Drivers with a DUI or reckless driving violation may pay on average $2,210 more per year to insure their Cayenne
• Increasing physical damage deductibles can save around $900 each year
• Teen drivers have the highest car insurance prices, with premiums as much as $559 a 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.