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.

Average insurance prices for a Porsche Cayenne are $1,936 every 12 months for full coverage insurance. Comprehensive costs approximately $500, collision costs $906, and liability coverage costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing around $4,184. Teens receive the highest rates at $6,802 a year or more.

Average premium for full coverage: $1,936

Rate estimates by individual coverage type:

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Cayenne trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using averaged prices.

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

More Rate Details

The chart below illustrates estimated Porsche Cayenne insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $1,082
• Using higher $1,000 deductibles will save $320 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,936
• Selecting more expensive low deductibles for physical damage coverage increases the price to $2,554
• Higher-risk drivers with serious driving violations could pay around $4,184 or more
• The cost to insure a teenage driver with full coverage can cost $6,802 or more

View Chart as Image

Auto insurance rates for a Porsche Cayenne can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Cayenne.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $940 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,800 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $6,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,300 to $3,000 in extra premium per year, depending on your age. High-risk driver insurance can be around 44% to 133% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see rates as low as $1,260 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,610 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates can be significantly different.

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 the Cheapest Porsche Cayenne Insurance

Saving money on auto insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a recap of the car insurance concepts illustrated above.

• Drivers that have major violations or accidents may have to pay on average $2,250 more per year to buy Porsche Cayenne insurance
• It is possible to save around $240 per year simply by shopping early and online
• Increasing deductibles could save as much as $950 each year
• Consumers who purchase increased levels of liability coverage will pay approximately $410 annually to increase from a minimum limit to a 250/500 level

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.