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 auto insurance rates for a Porsche Cayenne are $1,894 annually for full coverage. Comprehensive insurance costs an estimated $476, collision insurance costs $870, and liability costs around $390. Liability-only coverage costs as low as $452 a year, and high-risk coverage costs $4,100 or more. Teenage drivers cost the most to insure at up to $6,710 a year.

Average premium for full coverage: $1,894

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $1,058
• Using higher $1,000 deductibles will save approximately $306 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,894
• Using pricier low deductibles for physical damage coverage costs an additional $594 annually
• High-risk insureds who are prone to accidents and violations could pay up to $4,100
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $6,710 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $6,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $2,200 to $3,000 additional every year, depending on your age. Porsche Cayenne insurance for high-risk drivers can be from 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $900 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see rates 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

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 Buy the Right Porsche Cayenne Insurance

Finding cheaper rates on insurance for a Porsche Cayenne requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick rundown of the material that was touched on in the above illustrations.

• Insureds who want higher levels of liability will pay an extra $430 each year to increase from a 30/60 limit to higher 250/500 limits
• Teenage drivers are expensive to insure, costing up to $559 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,210 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $900 each year

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.