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.

Estimated insurance rates for a Porsche Cayenne are $1,878 a year for full coverage. Comprehensive insurance costs an estimated $458 each year, collision costs $864, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $4,070 or more. Teenage drivers pay the most at $6,696 a year or more.

Average premium for full coverage: $1,878

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Cayenne models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences show why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $1,048
• Drivers who choose higher $1,000 deductibles will pay approximately $300 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,878
• Using low deductibles for comprehensive and collision insurance will cost an extra $582 annually
• Drivers who are prone to accidents and violations could pay up to $4,070 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $6,696 a year

View Chart as Image

Auto insurance prices for a Porsche Cayenne also have a wide range based on your driving characteristics, the trim level of your Cayenne, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $6,600 a year. View Rates by Age

Where you choose to live makes a big difference in Porsche Cayenne insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $890 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $2,200 to $3,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 Affordable Porsche Cayenne Insurance

Finding better rates on insurance for a Porsche Cayenne not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the data that was raised in the charts and tables above.

• Drivers can save approximately $240 per year simply by quoting online in advance
• Insureds who want higher liability limits will pay an extra $440 each year to go from 30/60 bodily injury limits to 250/500 limits
• Teenagers are the costliest to insure, as much as $558 per month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $2,190 more annually for car 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.