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 insurance costs around $476, collision costs $870, and liability insurance costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $4,100 or more. Teens cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,894

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Cayenne models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Porsche Cayenne insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $1,058
• Using higher $1,000 deductibles will save about $306 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,894
• Selecting pricier low deductibles for physical damage coverage will cost an extra $594 a year
• Drivers with serious driving violations could pay at least $4,100 or more
• Policy cost for full coverage for a teen driver for full coverage can be $6,710 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age

Your home state has a huge impact on Porsche Cayenne insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,560 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $900 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied from one company to the next.

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 Cheap Porsche Cayenne Insurance

Finding cheaper rates on Porsche Cayenne insurance requires having a decent driving record, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save up to $240 per year simply by quoting online well ahead of the renewal date
• High-risk drivers that tend to have accidents or serious violations may pay on average $2,210 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $900 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $559 each month including comprehensive and collision insurance

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.