Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Porsche Cayenne? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Porsche Cayenne insurance facts

  • Average full coverage auto insurance premium: $211/month

  • Most affordable companies: Nationwide ($160/month) & Progressive ($178/month)

  • Cayenne car insurance cost vs. average rate: $316 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Porsche Cayenne by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Porsche Cayenne insurer costs by state:

Risk factors affecting Porsche Cayenne car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Porsche Cayenne car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Porsche models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Porsche Luxury Automobile Brand

Porsche is a luxury automobile brand specializing in high-performance sports cars, SUVs, and sedans owned by Volkswagen Group. Porsche’s target market is high-income (150K+), 85% male and 15% female 40 years and older in the United States market. Currently, Porsche is targeting younger consumers from 25 to 40 years of age. Most Porsche customers reside in Arizona, CaliforniaFloridaNevadaNew Mexico, New York, Oregon, and Texas. All Porsche automobiles have never been crash test rated by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS). The most popular models are the Panamera, Cayenne, and the Boxster.

Higher than average Cayenne repair costs equal higher insurance rates

Many consumers are attracted to Porsche automobiles for speed, luxury, and driver-assist technologies, such as the InnoDrive system. Specialized import repair shops sell automotive parts around the United States. According to Motor1, Porsche is one of the most expensive vehicles to maintain, and some customers claiming $400 for an oil change. Repair parts for ToyotaHonda, and Subaru can be 187 to 432% less expensive. Repairing a Porsche is higher than average since repair parts are more costly and not as available as popular vehicles. For this reason, many Porsche’s are going to have higher than average car insurance rates to similar cars in its class.

Fast depreciation for Porsche Cayenne affecting auto policies

Most Porsche models have higher than average depreciating value, except for the Panamera, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Porsche models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

No IIHS and NHTSA safety ratings increasing car insurance rates for drivers

Porsche vehicles have never been crash-test rated, which increases car insurance rates for drivers. Porsche’s are known for their excellent safety features such as Porsche Active Safe or PAS to reduce the effects of a forward collision. With safety features and driver-assist technology (InnoDrive), drivers with a good driving record can get 10 to 15% driver discounts for passive restraints and safety features in Porsche models. With the lack of the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick” and the NHTSA 5-star rating, Porsche customers are in the dark concerning safety and increased car insurance rates for automobile owners.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Porsche automobile owners when buying a car insurance policy.

2021 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2896
Allied$2943
Allstate$2720
American Family$2579
Amica$3127
Country Financial$2741
Erie$2408
GEICO$2533
Kentucky Farm Bureau$2833
Liberty Mutual$2530
Mercury$2700
Nationwide$1920
Progressive$2143
State Farm$2345
Tennessee Farmers$2643
Texas Farm Bureau$2549
The Hanover$2850
Travelers$2749

Compare all 2021 Porsche Cayenne rates

Average Cost to Insure Per Year

$2539

List Price

$67500

Trims Available

Base - S - S E-Hybrid - GTS - Turbo - Turbo S with base engine: twin-turbo 2.9-liter V6 with 434 horsepower - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor

2020 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2849
Allstate$2719
American Family$2549
Country Financial$2784
Erie$2246
GEICO$2471
Kentucky Farm Bureau$2813
Liberty Mutual$2398
Mercury$2692
Nationwide$1865
Progressive$2034
State Farm$2155
Tennessee Farmers$2633
Texas Farm Bureau$2516
The Hanover$2846
Travelers$2747

Compare all 2020 Porsche Cayenne rates

Average Cost to Insure Per Year

$2438

List Price

$66800

Trims Available

Base - S - S E-Hybrid - GTS - Turbo - Turbo S with base engine: twin-turbo 2.9-liter V6 with 434 horsepower

2019 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2680
Allstate$2381
American Family$2230
Country Financial$2490
Erie$1870
GEICO$2019
Kentucky Farm Bureau$2516
Liberty Mutual$1936
Mercury$2349
Nationwide$1743
Progressive$1816
State Farm$1846
Tennessee Farmers$2287
Texas Farm Bureau$2148
The Hanover$2577
Travelers$2453

Compare all 2019 Porsche Cayenne rates

Average Cost to Insure Per Year

$2290

List Price

$65700

Trims Available

Base - S - S E-Hybrid - GTS - Turbo - Turbo S with base engine: twin-turbo 2.9-liter V6 with 434 horsepower - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor

2018 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2679
Allstate$2245
American Family$2035
Country Financial$2349
Erie$1865
GEICO$1948
Kentucky Farm Bureau$2419
Liberty Mutual$1924
Mercury$2196
Nationwide$1730
Progressive$1812
State Farm$1835
Tennessee Farmers$2078
Texas Farm Bureau$2016
The Hanover$2537
Travelers$2268

Compare all 2018 Porsche Cayenne rates

Average Cost to Insure Per Year

$2219

List Price

$60600

Trims Available

Base - S - S E-Hybrid - GTS - Turbo - Turbo S with base engine: twin-turbo 2.9-liter V6 with 434 horsepower - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor

2017 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2169
Acuity$ 2169
Allied$ 1651
Allied$ 1651
Country$ 2180
Country$ 2180
Erie$ 1882
Erie$ 1882
Mercury$ 1921
Mercury$ 1921
Nationwide$ 1820
Nationwide$ 1820
Plymouth Rock Insurance$ 1665
Plymouth Rock Insurance$ 1665
Progressive$ 1360
Progressive$ 1360
Safeco$ 2067
Safeco$ 2067
Tennessee Farmers$ 1309
Tennessee Farmers$ 1309
Texas Farm Bureau$ 1274
Texas Farm Bureau$ 1274
USAA$ 1548
USAA$ 1548

Compare all 2017 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1958

List Price

$ 59600

Trims Available

Base - S - S E-Hybrid - GTS - Turbo - Turbo S

2016 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1723
Acuity$ 1723
Allied$ 1644
Allied$ 1644
Country$ 1813
Country$ 1813
Erie$ 1456
Erie$ 1456
Mercury$ 1723
Mercury$ 1723
Nationwide$ 1706
Nationwide$ 1706
Plymouth Rock Insurance$ 1564
Plymouth Rock Insurance$ 1564
Progressive$ 1257
Progressive$ 1257
Tennessee Farmers$ 1228
Tennessee Farmers$ 1228
Texas Farm Bureau$ 1261
Texas Farm Bureau$ 1261
USAA$ 1453
USAA$ 1453
Vermont Mutual$ 1775
Vermont Mutual$ 1775

Compare all 2016 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1787

List Price

$ 58300

Trims Available

Base - Diesel - S - S E-Hybrid - GTS - Turbo - Turbo S

2015 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1613
Acuity$ 1613
Allied$ 1647
Allied$ 1647
Country$ 1735
Country$ 1735
Erie$ 1363
Erie$ 1363
Mercury$ 1699
Mercury$ 1699
Nationwide$ 1742
Nationwide$ 1742
Plymouth Rock Insurance$ 1512
Plymouth Rock Insurance$ 1512
Progressive$ 1413
Progressive$ 1413
Tennessee Farmers$ 1547
Tennessee Farmers$ 1547
Texas Farm Bureau$ 1185
Texas Farm Bureau$ 1185
USAA$ 1363
USAA$ 1363
Vermont Mutual$ 1624
Vermont Mutual$ 1624

Compare all 2015 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1665

List Price

$ 61700

Trims Available

Diesel - S - S E-Hybrid - Turbo

2014 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1422
Acuity$ 1422
Allied$ 1664
Allied$ 1664
Arbella$ 1678
Arbella$ 1678
Country$ 1581
Country$ 1581
Erie$ 1031
Erie$ 1031
GEICO$ 1542
GEICO$ 1542
Plymouth Rock Insurance$ 1477
Plymouth Rock Insurance$ 1477
Progressive$ 1273
Progressive$ 1273
Tennessee Farmers$ 1406
Tennessee Farmers$ 1406
Texas Farm Bureau$ 1073
Texas Farm Bureau$ 1073
USAA$ 1277
USAA$ 1277
Vermont Mutual$ 1416
Vermont Mutual$ 1416

Compare all 2014 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1565

List Price

$ 49600

Trims Available

Base - Tiptronic - Diesel - Platinum - S - Platinum Diesel - S Hybrid - GTS - Turbo - Turbo S

2013 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1454
Acuity$ 1454
Arbella$ 1599
Arbella$ 1599
Erie$ 995
Erie$ 995
GEICO$ 1383
GEICO$ 1383
Nationwide$ 1598
Nationwide$ 1598
Plymouth Rock Insurance$ 1402
Plymouth Rock Insurance$ 1402
Progressive$ 1047
Progressive$ 1047
State Farm$ 1497
State Farm$ 1497
Tennessee Farmers$ 1425
Tennessee Farmers$ 1425
Texas Farm Bureau$ 1047
Texas Farm Bureau$ 1047
USAA$ 1147
USAA$ 1147
Vermont Mutual$ 1442
Vermont Mutual$ 1442

Compare all 2013 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1417

List Price

$ 48850

Trims Available

Base - Tiptronic - Diesel - S - S Hybrid - GTS - Turbo - Turbo S

2012 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1244
Acuity$ 1244
Arbella$ 1452
Arbella$ 1452
Country$ 1436
Country$ 1436
Erie$ 986
Erie$ 986
GEICO$ 1370
GEICO$ 1370
Plymouth Rock Insurance$ 1349
Plymouth Rock Insurance$ 1349
Progressive$ 1199
Progressive$ 1199
State Farm$ 1456
State Farm$ 1456
Tennessee Farmers$ 1265
Tennessee Farmers$ 1265
Texas Farm Bureau$ 990
Texas Farm Bureau$ 990
USAA$ 1187
USAA$ 1187
Vermont Mutual$ 1202
Vermont Mutual$ 1202

Compare all 2012 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1362

List Price

$ 48200

Trims Available

Base - Tiptronic - S - S Hybrid - Turbo

2011 Porsche Cayenne

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1395
Acuity$ 1395
Arbella$ 1179
Arbella$ 1179
Country$ 1297
Country$ 1297
Erie$ 1083
Erie$ 1083
GEICO$ 1284
GEICO$ 1284
Plymouth Rock Insurance$ 1317
Plymouth Rock Insurance$ 1317
Progressive$ 1213
Progressive$ 1213
Southern Farm Bureau$ 1389
Southern Farm Bureau$ 1389
Tennessee Farmers$ 1151
Tennessee Farmers$ 1151
Texas Farm Bureau$ 942
Texas Farm Bureau$ 942
USAA$ 1100
USAA$ 1100
Vermont Mutual$ 1060
Vermont Mutual$ 1060

Compare all 2011 Porsche Cayenne rates

Average Cost to Insure Per Year

$ 1309

List Price

$ 47700

Trims Available

Base - Tiptronic - S - S Hybrid - Turbo