How cheap is car insurance for a Porsche Cayenne?

Average Porsche Cayenne car insurance rates are $161/mo or $1,936 annually. Your Porsche Cayenne insurance costs depend on where you live, the age of your model, and your trim level. By comparison shopping and asking about discounts, you can secure the cheapest Porsche Cayenne auto insurance premiums. Start comparing quotes for free with our quote calculator below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to Know

  • 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 your Porsche Cayenne car insurance rates.
  • Your age, the state you live in, and your driving record will affect your annual Porsche Cayenne car insurance premiums.

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’s 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.

Table of Contents

Average Car Insurance Cost 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.

Porsche Cayenne Average Annual Car Insurance Rates by Trim Level
Model and TrimAverage Annual Car Insurance Rates
Porsche Cayenne$1,652
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
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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 Average Annual Car Insurance Rates by Model Year
Porsche Cayenne Model YearAverage 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
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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 Car 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.

Porsche Cayenne Average Annual Car Insurance Rates by State
StatesPorsche Cayenne Average Annual Car Insurance Rate
North Carolina$1,116
Virginia$1,160
Maine$1,194
Iowa$1,308
Idaho$1,310
Vermont$1,324
Ohio$1,334
Wisconsin$1,340
Hawaii$1,390
New Hampshire$1,394
Utah$1,434
Illinois$1,442
Indiana$1,456
Alaska$1,484
Washington$1,498
Nebraska$1,528
Massachusetts$1,550
North Dakota$1,584
Maryland$1,598
Arizona$1,606
Minnesota$1,620
South Dakota$1,634
Tennessee$1,696
New Mexico$1,714
Missouri$1,718
Wyoming$1,724
Alabama$1,750
South Carolina$1,754
Oregon$1,774
West Virginia$1,774
Georgia$1,788
Kansas$1,840
Pennsylvania$1,848
Colorado$1,850
Arkansas$1,936
Oklahoma$1,988
Connecticut$1,990
New York$2,040
Montana$2,080
New Jersey$2,164
Delaware$2,192
California$2,206
Mississippi$2,318
Nevada$2,322
Texas$2,332
Florida$2,422
Rhode Island$2,582
Kentucky$2,642
Louisiana$2,866
Michigan$3,362
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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 record.

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.

Porsche Cayenne Safety Features

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 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 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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