Porsche Cayenne Car Insurance Cost 2025
On average, getting insurance for a Porsche Cayenne costs $2,337 per year. However, the actual cost may vary depending on factors like your age, the model year of the car, and other personal details. To get a more accurate estimate for your specific situation, you can use our quote tables below to compare rates.
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If you’re thinking about buying a Porsche Cayenne, you’ll need to consider the cost of insurance. On average, insurance for a Porsche Cayenne costs $2,337 per year. Insurance is a significant aspect of owning a car, and it’s crucial to understand the details before making a purchase.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s important to have adequate coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, being underinsured in an accident could result in increased premiums.
With over ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving record, and location can significantly impact your insurance premiums.
How Much Does Porsche Cayenne Car Insurance Cost?
Typically, Porsche Cayenne drivers can expect to find car insurance at an average rate of $2,337 per year. However, this can vary based on factors such as age, driving history, location, and the model year of the vehicle.
It’s important to understand that car insurance costs can fluctuate widely based on various factors. These include your location, driving history, the year of your car model, and the specific coverage options you choose. Having a clean driving record can lower your premiums, whereas a history of accidents or traffic violations may cause your rates to rise.
Additionally, living in an urban area with heavy traffic could lead to higher insurance costs compared to rural areas with less congestion. The type of coverage you select also plays a role—comprehensive insurance, which includes both comprehensive and collision coverage, generally costs more than basic liability coverage.
As illustrated in the data, the cost to insure a Porsche Cayenne is lower than the average cost for other Porsche models but still above the overall average cost for all vehicles. To find the best rate for your needs, Insuranceopedia can help you compare quotes from various auto insurance providers.
| Vehicle | Average Monthly Premium |
| Porsche Cayenne | $163 |
| All Porsches | $205 |
| All Cars | $175 |
Average Insurance Cost Of Porsche Cayenne By Model Year
| Model Year | Average Premium |
| 2024 Porsche Cayenne | $4,232 |
| 2023 Porsche Cayenne | $3,633 |
| 2022 Porsche Cayenne | $1,605 |
| 2021 Porsche Cayenne | $1,636 |
| 2020 Porsche Cayenne | $1,426 |
| 2019 Porsche Cayenne | $1,781 |
| 2018 Porsche Cayenne | $2,047 |
| 2017 Porsche Cayenne | $1,863 |
| 2016 Porsche Cayenne | $1,219 |
| 2015 Porsche Cayenne | $1,103 |
| 2014 Porsche Cayenne | $882 |
| 2013 Porsche Cayenne | $993 |
| 2012 Porsche Cayenne | $908 |
| 2011 Porsche Cayenne | $1,445 |
| 2010 Porsche Cayenne | $1,178 |
2024 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2024 Porsche Cayenne is $4,232. However, Unitrin offers the cheapest rates, averaging $2,337 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $3,606 |
| CSAA | $5,356 |
| Grange | $4,804 |
| Allstate | $4,133 |
| Unitrin | $2,337 |
| USAA | $4,124 |
| California Capital | $3,417 |
| Bristol West | $5,006 |
| Esurance | $5,067 |
| 21st Century | $4,465 |
2023 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2023 Porsche Cayenne is $3,633. However, Mercury Insurance offers the cheapest rates, averaging $1,168 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $3,237 |
| Allstate | $4,721 |
| USAA | $4,171 |
| Mercury | $3,789 |
| Mercury Insurance | $1,168 |
| California Capital | $3,632 |
| Kemper Auto | Infinity | $2,410 |
| 21st Century | $4,445 |
| Dairyland Auto | $4,672 |
| National General | $4,087 |
2022 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2022 Porsche Cayenne is $1,605. However, National General offers the cheapest rates, averaging $310 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $961 |
| Plymouth Rock | $2,509 |
| Country | $2,270 |
| Hastings Mutual Insurance Co | $1,286 |
| National General | $310 |
| Pekin Insurance | $1,145 |
| Texas Farm Bureau Group | $922 |
| Mercury Insurance | $2,316 |
| Rockford Mutual Insurance | $2,372 |
| SECURA Insurance | $1,955 |
2021 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2021 Porsche Cayenne is $1,636. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,118 per year.
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance Co | $1,462 |
| Grange Mutual | $2,024 |
| Western Reserve | $1,841 |
| Indiana Farmers Mutual Ins | $1,606 |
| Hastings Mutual Insurance Co | $1,118 |
| Texas Farm Bureau Group | $1,561 |
| Pekin Insurance | $1,279 |
| Westfield | $1,852 |
| United Farm Bureau of IN Group | $1,910 |
| Buckeye Insurance Group | $1,705 |
2020 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2020 Porsche Cayenne is $1,426. However, Texas Farm Bureau Group offers the cheapest rates, averaging $715 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,136 |
| Chubb | $1,877 |
| Buckeye Insurance Group | $1,653 |
| Farm Bureau Mutual (IA Group) | $1,395 |
| Texas Farm Bureau Group | $715 |
| New York Central Mutual Fire | $1,263 |
| Pekin Insurance | $1,124 |
| Indiana Farmers Mutual Ins | $1,767 |
| USAA | $1,904 |
| Hastings Mutual Insurance Co | $1,428 |
2019 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2019 Porsche Cayenne is $1,781. However, North Carolina Farm Bureau offers the cheapest rates, averaging $1,440 per year.
| Insurance Provider | Average Annual Cost |
| GMAC Insurance Group | $1,605 |
| Allied | $2,153 |
| Erie | $1,886 |
| Texas Farm Bureau Group | $1,761 |
| North Carolina Farm Bureau | $1,440 |
| Penn National | $1,619 |
| Mercury Insurance Company | $1,504 |
| Auto-Owners Insurance Co | $1,965 |
| Safeco | $2,050 |
| Virginia Farm Bureau | $1,824 |
2018 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2018 Porsche Cayenne is $2,047. However, SECURA Insurance offers the cheapest rates, averaging $1,324 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,828 |
| 21st Century | $2,480 |
| Mercury | $2,196 |
| Hastings Mutual Insurance Co | $2,132 |
| SECURA Insurance | $1,324 |
| Cameron Mutual Group | $1,931 |
| Texas Farm Bureau Group | $1,700 |
| ALFA | $2,276 |
| California Capital | $2,438 |
| Wolverine Mutual | $2,160 |
2017 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2017 Porsche Cayenne is $1,863. However, Direct Auto offers the cheapest rates, averaging $984 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,680 |
| USAA | $2,297 |
| Rockford Mutual Insurance | $2,197 |
| Farm Bureau Ins of MI | $2,013 |
| Direct Auto | $984 |
| Wolverine Mutual | $1,864 |
| Pekin Insurance | $1,025 |
| First Chicago Insurance | $2,220 |
| Chubb | $2,220 |
| Travelers | $2,133 |
Find Affordable Porsche Cayenne Insurance Rates
2016 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2016 Porsche Cayenne is $1,219. However, Safeco offers the cheapest rates, averaging $203 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,141 |
| New York Central Mutual Fire | $1,609 |
| North Carolina Farm Bureau | $1,516 |
| Pekin Insurance | $1,181 |
| Safeco | $203 |
| Grange Mutual | $1,192 |
| Texas Farm Bureau Group | $852 |
| Nationwide | $1,591 |
| Mississippi Farm Bureau | $1,613 |
| Hastings Mutual Insurance Co | $1,292 |
2015 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2015 Porsche Cayenne is $1,103. However, Kemper Auto | Infinity offers the cheapest rates, averaging $237 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $560 |
| Sentry | $1,781 |
| American Family | $1,269 |
| Texas Farm Bureau Group | $1,107 |
| Kemper Auto | Infinity | $237 |
| Mutual Of Enumclaw | $1,026 |
| Safeco | $466 |
| SECURA Insurance | $1,624 |
| Republic Indemnity | $1,748 |
| Mercury Insurance | $1,207 |
2014 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2014 Porsche Cayenne is $882. However, Safeco offers the cheapest rates, averaging $465 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $787 |
| North Carolina Farm Bureau | $1,139 |
| SECURA Insurance | $941 |
| Texas Farm Bureau Group | $877 |
| Safeco | $465 |
| Grange Mutual | $810 |
| American National P | $622 |
| Hastings Mutual Insurance Co | $1,088 |
| Country | $1,161 |
| Pekin Insurance | $934 |
2013 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2013 Porsche Cayenne is $993. However, Kemper Auto | Infinity offers the cheapest rates, averaging $309 per year.
| Insurance Provider | Average Annual Cost |
| National General | $710 |
| ACE American Pool | $1,371 |
| Country | $1,221 |
| Capital Insurance Group | $1,099 |
| Kemper Auto | Infinity | $309 |
| Mercury Insurance | $890 |
| Safeco | $464 |
| Safety Group | $1,317 |
| Norfolk and Dedham Group | $1,374 |
| PEMCO | $1,173 |
2012 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2012 Porsche Cayenne is $908. However, Buckeye Insurance Group offers the cheapest rates, averaging $434 per year.
| Insurance Provider | Average Annual Cost |
| National General | $862 |
| Grange Mutual | $1,119 |
| SECURA Insurance | $986 |
| Rockford Mutual Insurance | $952 |
| Buckeye Insurance Group | $434 |
| Hastings Mutual Insurance Co | $991 |
| Pekin Insurance | $606 |
| New Jersey Manufacturers | $1,082 |
| Western Reserve | $1,112 |
| Texas Farm Bureau Group | $932 |
2011 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2011 Porsche Cayenne is $1,445. However, GMAC Insurance Group offers the cheapest rates, averaging $925 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,346 |
| Grange | $1,900 |
| Pekin Insurance | $1,579 |
| Erie | $1,415 |
| GMAC Insurance Group | $925 |
| Mercury Insurance Company | $1,390 |
| North Carolina Farm Bureau | $945 |
| 21st Century | $1,688 |
| Penn National | $1,752 |
| Farm Bureau Mutual (IA Group) | $1,506 |
2010 Porsche Cayenne Insurance Rates
The average annual insurance cost for a 2010 Porsche Cayenne is $1,178. However, Liberty Mutual offers the cheapest rates, averaging $668 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,006 |
| USAA | $1,482 |
| Unitrin | $1,377 |
| Auto-Owners Insurance Co | $1,227 |
| Liberty Mutual | $668 |
| Virginia Farm Bureau | $1,159 |
| SafeAuto | $747 |
| Cameron Mutual Group | $1,422 |
| ALFA | $1,467 |
| Atlantic States Insurance | $1,224 |
Find Affordable Porsche Cayenne Insurance Rates
Is A Porsche Cayenne Expensive To Insure?
The cost to insure a Porsche Cayenne is lower than the overall average for all cars. However, the exact amount you’ll pay for car insurance will depend on factors like your age, the age of your car, where you live, and other personal details. These factors can all influence your premiums, so it’s important to shop around and compare quotes to find the best deal for your specific situation.
Cost of Porsche Cayenne Car Insurance By Age
Age is a key factor in determining insurance rates for any vehicle. Teenagers often face the highest premiums because they are statistically more likely to be involved in car accidents than other age groups. As drivers get older, their premiums tend to decrease, reflecting the lower risk they pose to insurers.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $10,902 | $15,967 | $18,731 |
| 18 | $10,174 | $14,921 | $17,469 |
| 19 | $8,974 | $13,195 | $15,439 |
| 20 | $7,800 | $11,480 | $13,461 |
| 21 | $6,608 | $9,671 | $11,282 |
| 22 | $6,395 | $9,414 | $10,982 |
| 23 | $5,591 | $8,215 | $9,602 |
| 24 | $5,358 | $7,770 | $9,122 |
| 25 | $4,564 | $6,752 | $7,904 |
| 30 | $3,559 | $5,240 | $6,126 |
| 35 | $3,340 | $4,921 | $5,776 |
| 40 | $3,198 | $4,751 | $5,537 |
| 45 | $3,136 | $4,562 | $5,384 |
| 55 | $2,914 | $4,199 | $4,941 |
| 65 | $3,042 | $4,400 | $5,143 |
| 75 | $3,807 | $5,556 | $6,497 |
Porsche Cayenne Car Insurance Rates By State
Where you live plays a major role in determining your car insurance rates. Each state has its own regulations regarding auto insurance, which can impact premiums. For example, Michigan drivers often pay higher premiums due to the state’s requirement for higher levels of coverage. Additionally, climate factors like extreme weather—hurricanes, storms, and flooding—can influence rates.
Moreover, each location has its own statistics on crime and auto accidents, such as car thefts, crashes, and fatality rates. Insurance companies take all of these factors into account when calculating your Porsche Cayenne insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,413 | $4,940 | $6,308 |
| Alaska | $2,815 | $3,893 | $3,795 |
| Arizona | $3,196 | $4,616 | $6,802 |
| Arkansas | $3,508 | $5,494 | $6,063 |
| California | $3,929 | $6,880 | $3,871 |
| Colorado | $3,658 | $5,105 | $6,473 |
| Connecticut | $4,648 | $7,228 | $9,165 |
| Delaware | $3,855 | $5,106 | $6,615 |
| Florida | $4,565 | $6,346 | $8,249 |
| Hawaii | $1,494 | $2,058 | $1,466 |
| Idaho | $2,586 | $3,435 | $4,153 |
| Illinois | $2,699 | $4,097 | $4,664 |
| Indiana | $2,789 | $4,251 | $4,791 |
| Iowa | $2,204 | $3,031 | $3,550 |
| Kansas | $2,918 | $4,289 | $5,003 |
| Kentucky | $4,259 | $6,239 | $7,348 |
| Louisiana | $5,450 | $8,246 | $8,911 |
| Maine | $2,062 | $2,812 | $4,182 |
| Maryland | $3,310 | $4,853 | $5,405 |
| Massachusetts | $2,663 | $4,685 | $2,664 |
| Michigan | $6,479 | $9,843 | $15,535 |
| Minnesota | $2,665 | $3,578 | $4,973 |
| Mississippi | $3,196 | $4,596 | $4,572 |
| Missouri | $3,015 | $4,327 | $5,701 |
| Montana | $3,061 | $4,261 | $5,008 |
| Nebraska | $2,593 | $3,809 | $4,193 |
| Nevada | $4,241 | $6,361 | $6,713 |
| New Hampshire | $2,973 | $4,694 | $5,973 |
| New Jersey | $3,265 | $5,127 | $6,740 |
| New Mexico | $3,333 | $5,001 | $5,169 |
| New York | $3,093 | $3,901 | $6,531 |
| North Carolina | $1,967 | $3,325 | $2,382 |
| North Dakota | $2,639 | $4,014 | $4,709 |
| Ohio | $2,385 | $3,606 | $3,712 |
| Oklahoma | $3,736 | $5,361 | $6,051 |
| Oregon | $3,427 | $4,570 | $5,447 |
| Pennsylvania | $2,856 | $4,199 | $4,920 |
| Rhode Island | $4,775 | $7,046 | $7,919 |
| South Carolina | $3,250 | $4,526 | $6,247 |
| South Dakota | $2,920 | $4,207 | $4,863 |
| Tennessee | $3,412 | $5,037 | $6,737 |
| Texas | $3,468 | $4,994 | $6,270 |
| Utah | $2,947 | $4,112 | $5,694 |
| Vermont | $2,276 | $3,483 | $3,670 |
| Virginia | $2,102 | $3,271 | $3,210 |
| Washington | $2,784 | $3,828 | $4,572 |
| West Virginia | $2,834 | $4,059 | $5,080 |
| Wisconsin | $2,806 | $4,406 | $5,055 |
| Wyoming | $2,646 | $3,723 | $3,926 |
| Georgia | $3,710 | $5,591 | $5,627 |
Find Affordable Porsche Cayenne Insurance Rates
Cheapest Car Insurance Companies For A Porsche Cayenne
If you’re looking for the most affordable car insurance for your Porsche Cayenne, StateAuto offers a $19 per month premium, making them the cheapest option for this vehicle. However, insurance rates can vary depending on your individual driver profile, so this is just an average. To find the best rates for your specific situation, it’s highly recommended to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| StateAuto | $19 |
| Elephant | $38 |
| Mercury | $34 |
| Workmens | $37 |
| Clearcover | $33 |
Common Porsche Cayenne Insurance Discounts
Discounts are a great way to reduce your car insurance costs. Here are some common ones you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This discount is for those who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution, you may qualify for a discount.
There are other discounts available depending on the provider. Be sure to speak with your insurance agent to find out which discounts you’re eligible for!
Ways To Save On Porsche Cayenne Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Porsche Cayenne insurance costs low. If you have a speeding ticket on your record, you can expect to pay around $68 per month for car insurance, while multiple accidents may raise your monthly premium to about $156. By avoiding these incidents, you can help keep your rates more affordable. Additionally, your annual mileage impacts your premiums. Drivers who cover between 2,501-5,000 miles per year typically pay around $66 per month for insurance, whereas those who drive over 10,000 miles annually may see their monthly premium increase to $90. The less you drive, the lower the risk to insurers, which can result in lower rates.
Compare Porsche Cayenne To Other Porsche Models
Looking for other Porsche model insurance costs?
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the actual insurance premiums you might pay could differ from these averages due to various factors such as your personal driving history, location, and other individual considerations.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Porsche Cayenne?
Yes, you will need to provide proof of insurance before you can drive your Porsche Cayenne off the dealership lot. The best approach is to purchase a car insurance policy ahead of time and inform your insurance company that you’re about to buy your car. This ensures you’re covered right from the moment you drive off the lot, without needing to rely on the dealership’s insurance.
How Can You Get The Cheapest Insurance For Your Porsche Cayenne?
The best way to find the cheapest rates for your Porsche Cayenne is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to easily compare quotes from multiple providers, all in one place on our website, so you can find the best deal for your needs.
