How cheap is car insurance for a Porsche Cayenne?
The average car insurance for a Porsche Cayenne is $161/mo or $1,936 annually. By comparison shopping and asking about discounts, you can secure the cheapest Porsche Cayenne auto insurance premiums.
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UPDATED: May 26, 2022
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- Car insurance for a Porsche Cayenne typically costs around $161 per month or $1,936 annually.
- The age and trim of your model will impact the cost of insurance on a Porsche Cayenne.
- Your age, the state you live in, and your driving record will affect your annual Porsche Cayenne car insurance rates.
The Porsche Cayenne is a crossover SUV that reflects its legendary maker’s sports car pedigree inside and out. However, luxury and speedy vehicles tend to receive some of the highest car insurance premiums on the market.
The average insurance cost for a Porsche Cayenne is $161 per month or $1,936 annually. How much will car insurance for a Porsche Cayenne cost you?
Many factors impact your Porsche Cayenne car insurance costs, like the age of your model, the trim option you choose, and even where you live.
Read through our comprehensive Porsche car insurance review to better understand how your rates are calculated, and to answer all of your luxury car insurance questions. Is affordable Porsche Cayenne car insurance possible?
Ready to find the best Porsche Cayenne car insurance quotes? Enter your five-digit ZIP code into our free quote comparison tool above to start shopping.
Average Cost of Car Insurance for a Porsche Cayenne
With the average cost of a Porsche Cayenne sitting at an MSRP of $67,500 for the standard SUV and $76,500 for the coupe, the insurance cost may seem daunting.
Is Porsche insurance expensive? Like any other luxury vehicle, insuring your Porsche Cayenne will cost more than premiums for a budget-friendly sedan. However, average insurance rates for Porsche vehicles are not any higher than other extravagant car brands.
While the national average cost of Porsche Cayenne car insurance is $161 monthly or $1,936 per year, your specific Porsche Cayenne average price for insurance depends on many factors.
For example, the trim level you choose for your vehicle will change your insurance rates. See what we mean in the table below.
|Model and Trim||Average Annual Car Insurance Rates|
|Porsche Cayenne S||$1,786|
|Porsche Cayenne GTS||$1,876|
|Porsche Cayenne S Transyberia||$1,876|
|Porsche Cayenne GTS PD Edition 3||$2,012|
|Porsche Cayenne Turbo||$2,070|
|Porsche Cayenne Turbo S||$2,306|
A base model Porsche Cayenne costs less to insure than the premier Turbo S model.
The more additional features you add to your luxury SUV, the more the vehicle will cost to fix or replace in the event of an accident. Therefore, insurance companies charge higher annual premiums for more advanced trim levels.
The age of your Porsche Cayenne model will also change your average annual car insurance rates. Find your specific model year in the table below.
|Porsche Cayenne Model Year||Average Annual Car Insurance Rates|
|2020 Porsche Cayenne||$1,936|
|2019 Porsche Cayenne||$1,894|
|2018 Porsche Cayenne||$1,878|
|2017 Porsche Cayenne||$1,858|
|2016 Porsche Cayenne||$1,822|
|2015 Porsche Cayenne||$1,782|
|2014 Porsche Cayenne||$1,722|
|2013 Porsche Cayenne||$1,666|
|2012 Porsche Cayenne||$1,584|
|2011 Porsche Cayenne||$1,514|
|2010 Porsche Cayenne||$1,470|
|2009 Porsche Cayenne||$1,438|
|2008 Porsche Cayenne||$1,378|
|2006 Porsche Cayenne||$1,276|
|2005 Porsche Cayenne||$1,224|
|2004 Porsche Cayenne||$1,174|
|2003 Porsche Cayenne||$1,156|
As you can see, the older 2005 Porsche Cayenne insurance costs are less than what a new 2020 Porsche Cayenne will cost you.
Older vehicles are usually cheaper to replace and repair than the newer models, which often feature state-of-the-art technology and equipment that can be more expensive.
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Other Factors That Impact Your Porsche Cayenne Insurance Rates
Insurance companies look at more than just the car you drive when calculating your insurance quotes. The premiums you personally will be charged for your Porsche Cayenne also depend on your age, driving record, and where you live.
In the following table, we compare average annual rates for the Porsche Cayenne by state. Find your state in the table below for a better idea of how much Porsche car insurance will cost you.
|States||Porsche Cayenne Average Annual Car Insurance Rate|
How much should you pay for your Porsche Cayenne car insurance? It truly depends where you live. The cost to own a Porsche Cayenne in North Carolina or Virginia is substantially cheaper than if you live in Louisiana or Michigan.
Similarly, if you live in a heavily populated city, your rates will be higher than if you live somewhere rural with fewer cars on the road and minimal crime rates.
More experienced drivers with clean driving records will also always receive cheaper quotes than teen drivers or folks with messy driving records.
Expect young driver’s car insurance rates for the Porsche Cayenne to be quite a bit higher due to their inexperience on the road.
Because of all of the variables that go into calculating car insurance rates, you should seek out various discounts and comparison shop for your cheapest quotes. Each insurance company uses slightly different equations to calculate rates. Therefore, the more you compare, the easier it will be to find the best company for your needs.
How Safety Features Impact the Porsche Cayenne Insurance Cost
Understanding the Porsche Cayenne safety ratings can help you discover car insurance discounts your vehicle might qualify for. Unfortunately, the Porsche Cayenne has not been evaluated by either of the two major safety rating agencies, the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration.
However, there are other ways to evaluate if the Porsche Cayenne is a safe SUV to drive. For example, the Porsche Cayenne comes equipped with many advantageous safety features, such as:
- Porsche stability management system
- Brake assist
- Engine drag torque control
- Torso side, side curtain, and dual front airbags
- Fron and back head protection
- Reinforced passenger cage
- Side door reinforcement
- Impact sensors
- Rollover detection
- Seatbelt pre-tensioners
- LATCH child seat attachments
- Parking assist options
- Rear camera
The Porsche Cayenne fully embraces the safety demands of SUV consumers. Some of these features are only available to the Cayenne, and not Porsche’s other sports cars.
Porsche’s attention to safety regarding the SUV is reassuring, and certainly provides consumers with peace of mind. The following video from DPC Cars shows some of these safety features in action.
The technologically advanced safety features mean driving the Porsche Cayenne puts you at a lower risk of getting into an accident. Trustworthy and reliable safety features like these will positively impact your Porsche Cayenne car insurance rates.
Porsche Cayenne Cost of Ownership and History
For half a century, Porsche has been known for its sports cars, including the iconic 911 series, the Boxster, and the hardtop Cayman. Its reputation and branding are impeccable, so to many in the sports car world, the introduction of a midsize SUV in 2002 was a big surprise.
However, the Cayenne has been a successful venture for the company, primarily because it feels more like driving a sports car than any other SUV on the market.
Therefore, the would-be sports car driver with a family, pets, gear, or the desire to do some off-road travel doesn’t need to look any further than the five-passenger Cayenne.
According to Kelley Blue Book, the 2020 Porsche Cayenne has the best resale value of any luxury midsize SUV on the market. This is great news for consumers since the Porsche quality comes with a hefty price tag.
The average price of a Porsche Cayenne S base model starts at $85,000.
Porsche’s premier model, the Cayenne Turbo, is the embodiment of true Porsche power and costs a grand total of $127,000.
How much does it cost to maintain a Porsche Cayenne? Be prepared to spend around $10,000 on maintenance costs over a five-year period for this luxury vehicle. The high maintenance costs are one of the reasons why insurance rates for this SUV are higher than average.
Simple fixes for this vehicle are more expensive. For example, normal brake replacement costs around $300. How much does it cost to replace brakes on Porsche Cayenne? Expect to spend around $800 total, including labor costs.
The Porsche Cayenne’s reliability is well-known among luxury car enthusiasts. Porsche’s only SUV has a loyal following and continues to be a popular choice for families craving a sportier ride.
Porsche Cayenne Reviews
Despite the big price tag, the Porsche Cayenne is worth every penny for many drivers. Reviewers praise its engine power, agility, and off-road capability, as well as the seamless transition between gas and electric engines on the new hybrid model.
Road and Track calls it the best-handling SUV money can buy, and Consumer Guide cites its thoroughbred handling and blazing acceleration even while cautioning against the high price tag.
While these reviews will not directly change your overall car insurance rates, consumer and expert reviews will help give you a better idea of if the Porsche Cayenne is the right car for you.
You are now an expert on securing cheap Porsche Cayenne car insurance. Whether you find a classic 2002 Porsche Cayenne for sale or buy a brand new 2020 Turbo model, be sure to take the time to comparison shop so you know you’re getting the most affordable car insurance rates.
If you’re ready to buy Porsche Cayenne car insurance, enter your five-digit ZIP code into our free quote tool above to start comparing cheap Porsche Cayenne car insurance rates. Find the best Porsche Cayenne car insurance company for you now.
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