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 prices for a Porsche Cayenne are $1,894 every 12 months including full coverage. Comprehensive costs approximately $476, collision insurance costs $870, and liability costs around $390. Liability-only insurance costs as low as $452 a year, and high-risk driver insurance costs around $4,100. Teens pay the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,894

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Cayenne trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $1,058
• Using higher $1,000 deductibles will save $306 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,894
• Selecting more expensive low deductibles for physical damage coverage increases the price to $2,488
• High-risk insureds with serious driving violations could pay around $4,100
• The price to insure a 16-year-old driver with full coverage can cost $6,710 or more

View Chart as Image

Car insurance prices for a Porsche Cayenne are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Cayenne.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $900 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,700 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance can be from 45% to 130% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Porsche Cayenne insurance prices. A driver around age 40 might see prices as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,700 on average in Louisiana, New York, 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 Shop for More Affordable Porsche Cayenne Insurance

Getting lower rates on insurance for a Porsche Cayenne requires being a low-risk driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a summary of the primary concepts that were illustrated above.

• You may be able to save around $240 per year just by shopping early and online
• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $2,210 more per year to insure their Cayenne
• Increasing physical damage deductibles could save as much as $900 each year
• Teen drivers pay the highest auto insurance prices, possibly costing $559 a month if the policy includes 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.