- The average Porsche Cayenne insurance cost is $2,842 per year, or $237 per month for full coverage.
- Porsche Cayenne insurance prices range from $2,158 to $3,932 annually for the average driver, depending on trim level.
- When compared to the entire midsize luxury SUV segment, the Cayenne ranks near the bottom at 39th out of 41 total comparison vehicles.
How much does Porsche Cayenne insurance cost?
Porsche Cayenne insurance rates average $2,842 a year, or $237 each month. With the average midsize luxury SUV costing $2,253 a year to insure, the Porsche Cayenne could cost an estimated $589 or more to insure each year.
The chart below demonstrates average car insurance cost for a 2024 Cayenne with a variety of different policy risk scenarios.
Which Cayenne model is cheapest to insure?
The cheapest model of Porsche Cayenne to insure is the base model at around $2,158 per year, or about $180 per month. The second cheapest trim is the base Coupe at $2,376 per year.
The two most expensive Porsche Cayenne trim levels to insure are the Cayenne Turbo E-Hybrid and the Turbo GT Coupe at around $3,640 and $3,932 per year, respectively.
The rate table below details average insurance cost for a Porsche Cayenne for each 2024 package and trim level.
| 2024 Porsche Cayenne Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base | $2,158 | $180 |
| Base Coupe | $2,376 | $198 |
| E-Hybrid Coupe | $2,490 | $208 |
| E-Hybrid | $2,556 | $213 |
| S | $2,670 | $223 |
| S E-Hybrid Coupe | $2,686 | $224 |
| S Coupe | $2,726 | $227 |
| S E-Hybrid | $2,804 | $234 |
| Turbo E-Hybrid Coupe | $3,240 | $270 |
| Turbo E-Hybrid | $3,640 | $303 |
| Turbo GT Coupe | $3,932 | $328 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
How do Porsche Cayenne insurance rates rank?
The Porsche Cayenne ranks 39th out of 41 total comparison vehicles in the midsize luxury SUV class. The Cayenne costs an average of $2,842 per year to insure, while the class average cost is $2,253 annually, a difference of $589 per year.
When car insurance rates are compared to other popular midsize luxury SUVs, the Porsche Cayenne costs $944 more per year than the Lexus RX 350, $418 more than the BMW X5, $946 more than the Acura MDX, and $1,050 more than the Cadillac XT5.
The table below shows how average Cayenne insurance rates compare against the entire 2024 midsize luxury SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $1,776 | -$1,066 |
| 2 | Cadillac XT5 | $1,792 | -$1,050 |
| 3 | Infiniti QX50 | $1,844 | -$998 |
| 4 | Cadillac XT6 | $1,856 | -$986 |
| 5 | Infiniti QX60 | $1,868 | -$974 |
| 6 | Mercedes-Benz AMG GLB35 | $1,870 | -$972 |
| 7 | Acura MDX | $1,896 | -$946 |
| 8 | Lexus RX 350 | $1,898 | -$944 |
| 9 | Lexus TX 350 | $1,928 | -$914 |
| 10 | Lexus RX 350h | $1,952 | -$890 |
| 11 | Lexus TX 500h | $1,980 | -$862 |
| 12 | Lexus RX 500h | $1,986 | -$856 |
| 13 | Lincoln Nautilus | $2,002 | -$840 |
| 14 | Lexus RX 450h | $2,008 | -$834 |
| 15 | Volvo V90 | $2,022 | -$820 |
| 16 | Audi SQ5 | $2,094 | -$748 |
| 17 | Mercedes-Benz GLE350 | $2,118 | -$724 |
| 18 | Lincoln Aviator | $2,134 | -$708 |
| 19 | Lexus GX 550 | $2,158 | -$684 |
| 20 | Volvo V60 | $2,220 | -$622 |
| 21 | Land Rover Discovery Sport | $2,226 | -$616 |
| 22 | Mercedes-Benz GLE450 | $2,236 | -$606 |
| 23 | Cadillac Lyriq | $2,254 | -$588 |
| 24 | Volvo EX90 | $2,274 | -$568 |
| 25 | Audi Q7 | $2,304 | -$538 |
| 26 | Genesis GV80 | $2,312 | -$530 |
| 27 | Mercedes-Benz AMG GLC43 | $2,324 | -$518 |
| 28 | Audi e-tron | $2,366 | -$476 |
| 29 | Tesla Model X | $2,384 | -$458 |
| 30 | BMW X5 | $2,424 | -$418 |
| 31 | Audi Q8 | $2,438 | -$404 |
| 32 | Land Rover Discovery | $2,452 | -$390 |
| 33 | Mercedes-Benz AMG GLE53 | $2,466 | -$376 |
| 34 | Audi SQ7 | $2,550 | -$292 |
| 35 | BMW iX | $2,586 | -$256 |
| 36 | BMW X6 | $2,652 | -$190 |
| 37 | Land Rover Range Rover Sport | $2,762 | -$80 |
| 38 | Audi RS 6 | $2,818 | -$24 |
| 39 | Porsche Cayenne | $2,842 | -- |
| 40 | BMW XM | $3,114 | $272 |
| 41 | Mercedes-Benz AMG GLE63 | $3,198 | $356 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated February 23, 2024
Average rates by location
The insurance cost for a Porsche Cayenne can range widely, from cheaper rates like $2,100 a year in Charlotte, NC, or $2,184 in Columbus, OH, to higher rates such as $6,246 a year in Detroit, MI, and $4,730 in New Orleans, LA.
The average cost of Porsche Cayenne insurance in some other areas include Nashville, TN, at $2,806 per year, San Antonio, TX, averaging $2,666, San Diego, CA, costing $3,060, and Minneapolis, MN, at an estimated $2,888.
The chart below shows average Porsche Cayenne insurance rates for the larger metro areas in the United States. In addition to the chart, a table is included that shows annual and monthly insurance costs.
| Location | Annual Premium | Cost Per Month |
|---|---|---|
| New York, NY | $4,850 | $404 |
| Philadelphia, PA | $4,332 | $361 |
| Las Vegas, NV | $4,320 | $360 |
| Los Angeles, CA | $4,310 | $359 |
| San Francisco, CA | $3,764 | $314 |
| Kansas City, MO | $3,376 | $281 |
| Oklahoma City, OK | $3,376 | $281 |
| Denver, CO | $3,316 | $276 |
| Memphis, TN | $3,316 | $276 |
| Atlanta, GA | $3,278 | $273 |
| San Jose, CA | $3,192 | $266 |
| Phoenix, AZ | $3,114 | $260 |
| Portland, OR | $3,078 | $257 |
| San Diego, CA | $3,060 | $255 |
| Boston, MA | $3,052 | $254 |
| Jacksonville, FL | $2,998 | $250 |
| Chicago, IL | $2,970 | $248 |
| Dallas, TX | $2,926 | $244 |
| Houston, TX | $2,912 | $243 |
| Seattle, WA | $2,906 | $242 |
| Nashville, TN | $2,806 | $234 |
| Milwaukee, WI | $2,792 | $233 |
| Albuquerque, NM | $2,746 | $229 |
| San Antonio, TX | $2,666 | $222 |
| Omaha, NE | $2,596 | $216 |
| Fort Worth, TX | $2,586 | $216 |
| Austin, TX | $2,558 | $213 |
| Indianapolis, IN | $2,354 | $196 |
| Columbus, OH | $2,184 | $182 |
| Charlotte, NC | $2,100 | $175 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Porsche Cayenne and all Zip Codes in each city. Updated February 23, 2024
Other Rates and Information
It’s impossible to cover all scenarios when insuring a Cayenne, so here are some additional rates and ways you can possibly save on car insurance.
- Get cheaper rates because of your employment. Most car insurance companies offer discounts for specific professions like farmers, nurses, scientists, architects, accountants, high school and elementary teachers, and other occupations. Qualifying for an occupational discount could save between $85 and $185 on your car insurance premium, depending on the age of the driver.
- Insuring teenagers can be very expensive. Average rates for full coverage Cayenne insurance costs $9,704 per year for a 16-year-old driver, $9,512 per year for a 17-year-old driver, and $8,738 per year for an 18-year-old driver.
- Get cheaper rates by researching discounts. Discounts may be available if the insureds are accident-free, work in certain occupations, are away-from-home students, insure multiple vehicles on the same policy, or many other discounts which could save the average driver as much as $478 per year on Porsche Cayenne insurance.
- Higher physical damage deductibles lower policy cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $526 per year for a 40-year-old driver and $1,032 per year for a 20-year-old driver.
- Low deductibles makes insurance more expensive. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $552 per year for a 40-year-old driver and $1,090 per year for a 20-year-old driver.
- Driving violations increase insurance rates. If you want the cheapest Cayenne insurance rates, it’s necessary to drive safely. As few as two minor driving offenses could increase Cayenne insurance rates as much as $734 per year. Serious infractions like a DUI could raise rates by an additional $2,582 or more.