Porsche Cayenne Insurance Rates
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UPDATED: May 20, 2024
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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.
Average insurance prices for a Porsche Cayenne are $1,936 every 12 months for full coverage. Comprehensive insurance costs around $500, collision costs $906, and liability is estimated at $372. A liability-only policy costs approximately $438 a year, with high-risk insurance costing $4,184 or more. Teen drivers receive the highest rates at $6,802 a year or more.
Average premium for full coverage: $1,936
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Cayenne models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $438 for liability-only coverage to the much higher price of $4,184 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.
The example below illustrates how your location can change auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,082
- Choosing higher $1,000 deductibles can save about $320 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,936
- Choosing pricier low deductibles for comp and collision coverage costs an extra $618 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $4,184 or more
- The cost to insure a teen driver for full coverage can be $6,802 each year
Insurance rates for a Porsche Cayenne can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $940 every year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,800 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $6,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $2,300 to $3,000 extra per year, depending on your age. Porsche Cayenne insurance for high-risk drivers ranges as much as 44% to 133% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Porsche Cayenne insurance prices. A good driver about age 40 could pay as low as $1,280 a year in states like Idaho, Maine, and Iowa, or as much as $2,760 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,750 | -$186 | -9.6% |
Alaska | $1,484 | -$452 | -23.3% |
Arizona | $1,606 | -$330 | -17.0% |
Arkansas | $1,936 | -$0 | 0.0% |
California | $2,206 | $270 | 13.9% |
Colorado | $1,850 | -$86 | -4.4% |
Connecticut | $1,990 | $54 | 2.8% |
Delaware | $2,192 | $256 | 13.2% |
Florida | $2,422 | $486 | 25.1% |
Georgia | $1,788 | -$148 | -7.6% |
Hawaii | $1,390 | -$546 | -28.2% |
Idaho | $1,310 | -$626 | -32.3% |
Illinois | $1,442 | -$494 | -25.5% |
Indiana | $1,456 | -$480 | -24.8% |
Iowa | $1,308 | -$628 | -32.4% |
Kansas | $1,840 | -$96 | -5.0% |
Kentucky | $2,642 | $706 | 36.5% |
Louisiana | $2,866 | $930 | 48.0% |
Maine | $1,194 | -$742 | -38.3% |
Maryland | $1,598 | -$338 | -17.5% |
Massachusetts | $1,550 | -$386 | -19.9% |
Michigan | $3,362 | $1,426 | 73.7% |
Minnesota | $1,620 | -$316 | -16.3% |
Mississippi | $2,318 | $382 | 19.7% |
Missouri | $1,718 | -$218 | -11.3% |
Montana | $2,080 | $144 | 7.4% |
Nebraska | $1,528 | -$408 | -21.1% |
Nevada | $2,322 | $386 | 19.9% |
New Hampshire | $1,394 | -$542 | -28.0% |
New Jersey | $2,164 | $228 | 11.8% |
New Mexico | $1,714 | -$222 | -11.5% |
New York | $2,040 | $104 | 5.4% |
North Carolina | $1,116 | -$820 | -42.4% |
North Dakota | $1,584 | -$352 | -18.2% |
Ohio | $1,334 | -$602 | -31.1% |
Oklahoma | $1,988 | $52 | 2.7% |
Oregon | $1,774 | -$162 | -8.4% |
Pennsylvania | $1,848 | -$88 | -4.5% |
Rhode Island | $2,582 | $646 | 33.4% |
South Carolina | $1,754 | -$182 | -9.4% |
South Dakota | $1,634 | -$302 | -15.6% |
Tennessee | $1,696 | -$240 | -12.4% |
Texas | $2,332 | $396 | 20.5% |
Utah | $1,434 | -$502 | -25.9% |
Vermont | $1,324 | -$612 | -31.6% |
Virginia | $1,160 | -$776 | -40.1% |
Washington | $1,498 | -$438 | -22.6% |
West Virginia | $1,774 | -$162 | -8.4% |
Wisconsin | $1,340 | -$596 | -30.8% |
Wyoming | $1,724 | -$212 | -11.0% |
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Porsche Cayenne | $1,652 | $138 |
Porsche Cayenne S | $1,786 | $149 |
Porsche Cayenne GTS | $1,876 | $156 |
Porsche Cayenne S Transyberia | $1,876 | $156 |
Porsche Cayenne GTS PD Edition 3 | $2,012 | $168 |
Porsche Cayenne Turbo | $2,070 | $173 |
Porsche Cayenne Turbo S | $2,306 | $192 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Porsche Cayenne | $500 | $906 | $372 | $1,936 |
2023 Porsche Cayenne | $476 | $870 | $390 | $1,894 |
2022 Porsche Cayenne | $458 | $864 | $398 | $1,878 |
2021 Porsche Cayenne | $442 | $842 | $416 | $1,858 |
2020 Porsche Cayenne | $426 | $808 | $430 | $1,822 |
2019 Porsche Cayenne | $402 | $780 | $442 | $1,782 |
2018 Porsche Cayenne | $388 | $724 | $452 | $1,722 |
2017 Porsche Cayenne | $372 | $680 | $456 | $1,666 |
2016 Porsche Cayenne | $356 | $610 | $460 | $1,584 |
2015 Porsche Cayenne | $334 | $562 | $460 | $1,514 |
2014 Porsche Cayenne | $322 | $526 | $464 | $1,470 |
2013 Porsche Cayenne | $314 | $492 | $474 | $1,438 |
2012 Porsche Cayenne | $290 | $456 | $474 | $1,378 |
2011 Porsche Cayenne | $282 | $414 | $478 | $1,332 |
2010 Porsche Cayenne | $264 | $380 | $474 | $1,276 |
2009 Porsche Cayenne | $248 | $344 | $474 | $1,224 |
2008 Porsche Cayenne | $240 | $308 | $468 | $1,174 |
2006 Porsche Cayenne | $232 | $288 | $452 | $1,130 |
2004 Porsche Cayenne | $206 | $260 | $442 | $1,066 |
Rates are averaged for all Porsche Cayenne models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Porsche Cayenne Insurance
Saving money on car insurance takes being safe and accident-free, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the data that was illustrated above.
- Drivers can save up to $240 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need more liability protection will pay about $410 each year to raise limits from a minimum limit to a 250/500 level
- Youthful drivers pay higher rates, costing as high as $567 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $2,250 more every year than a low-risk driver
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.
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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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2021 Porsche Cayenne Turbo S E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne S SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne E-Hybrid SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne E-Hybrid Coupe SUV AWD | N/R | N/R | N/R | N/R |
2021 Porsche Cayenne Coupe SUV AWD | N/R | N/R | N/R | N/R |
2020 Porsche Cayenne Turbo SUV AWD | N/R | N/R | N/R | N/R |
2020 Porsche Cayenne Coupe Turbo SUV AWD | N/R | N/R | N/R | N/R |
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.
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $6,802 |
20 | $4,450 |
30 | $2,050 |
40 | $1,936 |
50 | $1,760 |
60 | $1,726 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $2,554 |
$250 | $2,266 |
$500 | $1,936 |
$1,000 | $1,616 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,936 |
50/100 | $2,380 |
100/300 | $2,473 |
250/500 | $2,715 |
100 CSL | $2,418 |
300 CSL | $2,622 |
500 CSL | $2,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $9,792 |
20 | $7,074 |
30 | $4,308 |
40 | $4,184 |
50 | $3,986 |
60 | $3,950 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $107 |
Multi-vehicle | $98 |
Homeowner | $25 |
5-yr Accident Free | $155 |
5-yr Claim Free | $127 |
Paid in Full/EFT | $99 |
Advance Quote | $101 |
Online Quote | $142 |
Total Discounts | $854 |
Discounts are estimated and may not be available from every company or in every state.
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