Porsche Cayenne Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Porsche Cayenne is more expensive to insure than the average SUV.
• Full coverage auto insurance for a Cayenne averages around $162 monthly, on average, while liability only insurance generally comes in at about $78.
• The most affordable car insurance carrier for a Cayenne is Workmens, who offers prices sometimes as little as $36 per month.

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Cayenne Overview

The Porsche Cayenne is a high-end SUV on the more expensive end of the spectrum, with base prices starting at $85,100 for 2021 models. With 12 different trim levels currently offered, you'll be sure to find an option to fit your style.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Porsche Cayenne car insurance premiums run around $151 monthly, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Porsche Cayenne?

You can see in the table above that when you compare the Porsche Cayenne to other vehicles, insurance rates are right about average. Cayenne owners can expect to pay around $162 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $78 per month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other models, the Cayenne is more affordable, with prices more than 10% lower than the other vehicle types offered by Porsche. Compared to SUV offerings from other brands, auto insurance for a Cayenne runs close to average, with full coverage insurance rates coming in at $11 higher than other SUVs and liability insurance premiums at $2 cheaper.

The Porsche Cayenne also has average rates when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Porsche Cayenne?

Looking for a car insurance policy for your Porsche Cayenne? You're probably most interested in which company offers the cheapest rates. While there will never be one carrier that offers the lowest premiums for everyone, the cheapest average rates for liability only insurance are as little as $18 monthly from StateAuto. The next lowest company is Mercury, who offers insurance as low as $33 a month.

Rounding out the list are Clearcover, Elephant, and Workmens. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, your results might be different, since auto insurance companies look at a variety of different things when calculating rates. The only way to guarantee you find the cheapest rates is to compare quotes from a lot of insurance carriers.

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What Factors Affect Car Insurance Rates for a Porsche Cayenne?

There are several factors that car insurance companies reference to determine how much they charge for a policy -- and every carrier uses a different algorithm, so there's not a single company that's the most affordable for everyone.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Porsche Cayenne has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually decrease.

As you can see in the table above, the Porsche Cayenne does not follow this trend, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are 15 years old or more, on average.

Your Age

Age is another variable that makes a big difference in how much you pay for car insurance. In the table above, you'll see that older drivers pay less compared to young drivers. Porsche Cayenne drivers between 18 and 24 actually pay $43 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for Cayenne drivers being 45-54.

Your Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. When it comes to Cayenne drivers specifically, women pay about $14 less than men per month for insurance.

Where You Live

You may already know that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live can have just as much as an impact? Auto insurance is regulated on a state-by-state basis, so premiums can change quite a bit depending on what state you reside in.

For example, the average Porsche Cayenne owner from New York pays around $202 monthly for liability coverage, while the same Californian driver will pay only 25% of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Porsche Cayenne Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than by monthly payments
• Multi-vehicle discounts for having several cars on your auto policy

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to insurance carriers.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit that you can control. Below are just a few of the ones you can use to your advantage when it comes to saving money:

Your Driving Record

You've most likely observed ads from car insurance companies posting large savings for good drivers. It should be no surprise that if you get tickets or get into a collision, insurance rates will get higher. But exactly how much is it going to cost you for these infractions?

You can see from the table above that accidents will usually cost Cayenne drivers more than tickets, but both will result in above average rates. Porsche Cayenne drivers with one accident on their record pay an average of $84 per month (up $6 from the $78/mo. overall average), while drivers with a single ticket will pay about $67 per month. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

Another factor that impacts your auto insurance prices is the total distance you drive annually. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up spending less on car insurance. Based on the table above, you can see that Porsche Cayenne owners who drive fewer than 2,500 miles each year pay an average of $78 a month for insurance, while those who put 10,000 miles or more on their cars pay $91.

If you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Porsche Cayennes Compare to Other Vehicles?

If you're considering making a Porsche Cayenne your next vehicle, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Porsche Cayenne compares:

Overall, the Porsche Cayenne is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. The Cayenne has an MSRP of $85,100, a bit higher than the national average vehicle price of $46,296.

Full coverage insurance for a Porsche Cayenne is about $33 a month cheaper than average, while liability only coverage is monthly.

When it comes to usage, Porsche Cayenne drivers are much lower than the national average in annual miles driven, with 9,833 miles a year compared to 11,617 for all vehicles.

Porsche Cayenne Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on what you'll pay for auto insurance. If you're considering buying a new Cayenne, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your options.

Choose Your Model

2020 Porsche Cayenne Car Insurance 2019 Porsche Cayenne Car Insurance 2018 Porsche Cayenne Car Insurance 2017 Porsche Cayenne Car Insurance 2016 Porsche Cayenne Car Insurance 2015 Porsche Cayenne Car Insurance 2014 Porsche Cayenne Car Insurance 2013 Porsche Cayenne Car Insurance 2012 Porsche Cayenne Car Insurance 2011 Porsche Cayenne Car Insurance 2010 Porsche Cayenne Car Insurance

2020 Porsche Cayenne Car Insurance

It costs around $131 a month for liability or $245 for a full coverage policy for the 2020 Cayenne.

We found DirectGeneral offered the cheapest policy, with rates as little as just $17 per month.

If you want to know exactly how much you can expect to pay for your Cayenne, get free quotes in minutes by just entering your ZIP code below.

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2019 Porsche Cayenne Car Insurance

On average, drivers who own a 2019 Porsche Cayenne can expect to pay $41 to $138 a month for liability only and full coverage auto insurance, respectively.

With rates as low as just $31 per month, Mercury offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2019 Porsche Cayenne, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Porsche Cayenne Car Insurance

The average cost to insure a 2018 Cayenne with liability only coverage is $29 monthly, while full coverage runs about $122 per month.

Mercury offered the most affordable policy we found, with rates as cheap as just $23 a month.

Want to know just how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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2017 Porsche Cayenne Car Insurance

You can expect full coverage for a 2017 Porsche Cayenne to run around $163 monthly, while liability only coverage will average about $47 a month.

SafeAuto has prices sometimes as low as $35 monthly for the 2017 Porsche Cayenne.

If you want to know exactly how much you can expect to pay for your Cayenne, just enter your ZIP code below and get several free quotes in minutes.

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2016 Porsche Cayenne Car Insurance

2016 Cayenne drivers can expect to pay an average of $65 per month for liability or $201 for full coverage.

If you're looking for the lowest possible 2016 Porsche Cayenne insurance policy, StateAuto offered the lowest policy we found, with rates as cheap as $18 a month.

Interested in just how much you'll pay? Enter your ZIP code below to get lots of personalized quotes for free.

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2015 Porsche Cayenne Car Insurance

It costs around $74 per month for liability or $152 for a full coverage policy for the 2015 Porsche Cayenne.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for sometimes as cheap as $33 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2014 Porsche Cayenne Car Insurance

The average cost to insure a 2014 Cayenne with liability only coverage is $96 a month, while full coverage runs about $179 monthly.

With rates as low as $24 per month, Mapfre offered the cheapest policy we found for the 2014 Porsche Cayenne.

If you're looking for a more exact figure on what you should pay for car insurance for a 2014 Porsche Cayenne, you can get free quotes in minutes by just entering your ZIP code below.

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2013 Porsche Cayenne Car Insurance

You can expect full coverage for a 2013 Porsche Cayenne to run around $190 monthly, while liability only coverage will average about $80 a month.

Hugo offered the lowest policy we found, with rates sometimes as cheap as $18 per month.

If you want to find the best prices for auto insurance for a 2013 Porsche Cayenne, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

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2012 Porsche Cayenne Car Insurance

2012 Cayenne drivers can expect to pay an average of $78 monthly for liability or $163 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for as little as $26 a month.

Interested in what your car insurance rate will be? Enter your ZIP code below to get multiple customized quotes for free.

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2011 Porsche Cayenne Car Insurance

On average, drivers who own a 2011 Porsche Cayenne can expect to pay $68 to $157 per month for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2011 Porsche Cayenne insurance policy, MetroMile offered the most affordable policy we found, with rates as cheap as $19 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Porsche Cayenne Car Insurance

2010 Cayenne drivers can expect to pay an average of $94 per month for liability or $171 for full coverage.

With premiums sometimes as low as $26 a month, Mercury offered the lowest policy we found for the 2010 Porsche Cayenne.

What could your car insurance premium look like? Get a variety of personalized quotes for free by just entering your ZIP code below.

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Porsche Cayenne Insurance FAQs

Is a Porsche Cayenne expensive to insure?

Liability insurance runs an average of $78 monthly, while full coverage will cost you around $162. When compared to the national average of all SUVs, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Porsche Cayenne?

There's only one way to guarantee you're getting the most affordable rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Porsche Cayenne affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually not the case. There are numerous things auto insurance companies examine when they decide how much your policy will be, but the color of your Cayenne is not used to make that determination.

Do I need to have insurance before I buy a Porsche Cayenne?

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your auto insurance company know before you buy.

What car insurance discounts can I get for my Porsche Cayenne?

There are multiple discounts out there for insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Porsche Cayenne and more on you, but if your Cayenne has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance carrier and ask about their list of discounts.