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 for full coverage insurance. Comprehensive costs on average $476, collision insurance costs $870, and liability insurance is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $4,100. 16-year-old drivers cost the most to insure at up to $6,710 a year.

Average premium for full coverage: $1,894

Policy rates by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Cayenne trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying on rate averages.

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

Additional Rate Information

The chart below illustrates average Porsche Cayenne insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $1,058
• Raising to $1,000 deductibles will save around $306 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,894
• Buying more expensive low deductibles bumps up the cost to $2,488
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $4,100
• Policy cost that insures a teen driver with full coverage may cost $6,710

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $2,200 to $3,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,700 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayenne insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,560 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $900 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

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 Porsche Cayenne insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Comparison shop at least once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a quick review of the primary concepts that were raised in the charts and tables above.

• It is possible to save as much as $240 per year just by shopping early and online
• High-risk drivers with a DUI or reckless driving violation may pay on average $2,210 more each year for Cayenne insurance
• Increasing comprehensive and collision deductibles can save approximately $900 each year
• Teens pay higher rates, possibly costing $559 each month if comprehensive and collision insurance is included

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.