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 $1,936 annually for full coverage. Comprehensive insurance costs approximately $500 each year, collision costs $906, and liability is $372. Liability-only insurance costs around $438 a year, with high-risk driver insurance costing $4,184 or more. Teens cost the most to insure at $6,802 a year or more.

Average premium for full coverage: $1,936

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $1,082
• Raising to $1,000 deductibles will save $320 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,936
• Selecting low deductibles costs an additional $618 every year
• At-risk drivers with serious driving violations could pay around $4,184 or more
• Policy cost with full coverage for a teen driver can cost $6,802

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,800 every 12 months on average, or $150 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $6,800 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 anywhere from $2,300 to $3,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $940 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Porsche Cayenne insurance prices. A middle-age driver might find rates as low as $1,280 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

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 Cheapest Porsche Cayenne Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that have major violations or accidents pay on average $2,250 more per year to insure their Cayenne
• Drivers can save around $240 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $950 each year
• Policyholders who purchase more liability coverage will pay approximately $410 each year to raise from a 30/60 limit to higher 250/500 limits

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.

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.