+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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The average Porsche Cayenne driver pays $117 per month for liability only and $221 for full coverage.
USAA offers the cheapest Porsche Cayenne insurance rates, with an average of $91 per month.
Insuring the Cayenne only costs a few dollars more per month than the national average. Despite being a high-value luxury SUV, the Cayenne’s safety features and a lower purchase price than other Porsches may help keep prices down.
The average cost of car insurance for a Porsche Cayenne varies depending on the type of policy you choose. Liability-only policies just cover the property damage and injuries you cause to others. Full coverage includes liability insurance, collision coverage for repairs after an accident, and comprehensive coverage for non-collision damage like fire and theft.[1]
Here’s how the Cayenne’s car insurance rates stack up against other vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Porsche Cayenne | $117 | $221 | $169 |
| All vehicles | $116 | $216 | $166 |
The Cayenne’s average insurance rates are slightly higher than the national average, at $117 per month for liability coverage and $221 per month for full coverage.
Next, we’ll take a look at the cheapest insurance companies for the Cayenne and how factors like your model year, driving history, and location affect insurance cost.
Compare personalized quotes from dozens of insurers in minutes.
Finding cheap Porsche Cayenne insurance isn’t always easy, but some insurers consistently offer lower rates than others. Insurance premiums for the exact same SUV will likely vary by company because each one weighs driving history, location, vehicle type, and risk differently.
Below, you can compare average costs from some of the cheapest car insurance companies for the Porsche Cayenne, based on our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $137 |
| GEICO | $141 |
| CSAA | $154 |
| Nationwide | $166 |
| Progressive | $170 |
| Travelers | $174 |
| Farmers | $197 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA consistently earns top marks from J.D. Power for customer and claims satisfaction.[2] [3] Notably, it also offers some of the lowest insurance rates for Cayenne drivers. It has a wide range of insurance products and banking services for its members. That said, it offers fewer optional coverages and discounts than other insurance companies.
Cheapest average rates
Many available insurance products
Only available to military community
Fewer add-on auto coverages than competitors
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the few insurance companies offering personalized service from local agents. It also has a highly rated mobile app, allowing you to manage your car insurance policy online. The company offers a wide range of discounts that Cayenne owners with a clean driving record can take advantage of.
Easy claims process
Many available discounts
Gap insurance not available
Customer support varies by agency
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate may not be the cheapest option, but it makes up for it with its coverage offerings and discounts. You can customize your Porsche auto insurance to include rental reimbursement, rideshare, accident forgiveness, and extended warranty coverage. Allstate also offers Drivewise telematics savings for safe drivers and Milewise pay-per-mile coverage for low-mileage drivers.
Many available coverages
Offers accident forgiveness
Poor Trustpilot rating
Below-average claims satisfaction rating[3]
The age of your Cayenne can make a big difference in what you pay for car insurance. Newer Porsche models usually cost more to insure because repairs are more expensive. Older models can be cheaper to insure, but they might have fewer safety features.
The tables below show how Cayenne car insurance rates vary by model year and which insurers offer the cheapest coverage, according to Compare.com data.
Cayenne Model Year | Average Monthly Premium |
|---|---|
| 2026 | $203 |
| 2025 | $204 |
| 2024 | $204 |
| 2023 | $203 |
| 2022 | $203 |
| 2021 | $197 |
| 2020 | $188 |
| 2019 | $184 |
| 2018 | $177 |
| 2017 | $174 |
| 2016 | $169 |
| 2015 | $165 |
| 2014 | $163 |
| 2013 | $154 |
| 2012 | $150 |
| 2011 | $146 |
| 2010 | $144 |
| 2009 | $139 |
| 2008 | $137 |
| 2007 | $135 |
| 2006 | $133 |
| 2005 | $130 |
| 2004 | $127 |
| 2003 | $125 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $121 |
| Allstate | $155 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $156 |
| American Family | $166 |
| GEICO | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $156 |
| American Family | $166 |
| GEICO | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $155 |
| American Family | $165 |
| GEICO | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $155 |
| American Family | $165 |
| GEICO | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $118 |
| Allstate | $150 |
| American Family | $159 |
| GEICO | $164 |
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $112 |
| Allstate | $143 |
| American Family | $152 |
| GEICO | $157 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $106 |
| Allstate | $135 |
| American Family | $144 |
| GEICO | $148 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $104 |
| Allstate | $133 |
| American Family | $141 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $137 |
| GEICO | $141 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $99 |
| Allstate | $126 |
| American Family | $134 |
| GEICO | $138 |
Where you live has a big effect on your Cayenne insurance rates. Factors like local accident frequency, vehicle theft rates, weather risks, and state regulations all play a role in your car insurance cost.[4]
The map below shows average Porsche Cayenne premiums by state, based on data from Compare.com.
State | Average Monthly Premium |
|---|---|
| Alabama | $139 |
| Arizona | $148 |
| Arkansas | $160 |
| California | $182 |
| Colorado | $182 |
| Connecticut | $252 |
| Delaware | $211 |
| Florida | $197 |
| Georgia | $225 |
| Hawaii | $112 |
| Idaho | $93 |
| Illinois | $140 |
| Indiana | $115 |
| Iowa | $95 |
| Kansas | $131 |
| Kentucky | $175 |
| Louisiana | $189 |
| Maine | $124 |
| Maryland | $268 |
| Massachusetts | $133 |
| Michigan | $203 |
| Minnesota | $154 |
| Mississippi | $133 |
| Missouri | $160 |
| Montana | $132 |
| Nebraska | $127 |
| Nevada | $224 |
| New Hampshire | $78 |
| New Jersey | $238 |
| New Mexico | $128 |
| New York | $194 |
| North Carolina | $78 |
| North Dakota | $103 |
| Ohio | $109 |
| Oklahoma | $151 |
| Oregon | $135 |
| Pennsylvania | $142 |
| Rhode Island | $194 |
| South Carolina | $216 |
| South Dakota | $122 |
| Tennessee | $126 |
| Texas | $194 |
| Utah | $133 |
| Vermont | $127 |
| Virginia | $158 |
| Washington | $150 |
| Washington D.C. | $278 |
| West Virginia | $130 |
| Wisconsin | $107 |
| Wyoming | $99 |
Your age is another factor that can significantly affect your insurance rate. Younger drivers pay more because they have the highest risk of accidents. Rates generally decrease with age, with senior drivers earning the lowest average rates.
Check out the table below for average monthly premiums by age group, based on data from Compare.com.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $324 |
| Adults | $169 |
| Seniors | $145 |
Drivers younger than 25 have the highest crash risk of any age group, which is why insurers charge them the highest auto insurance rates. Teens are in fatal crashes at nearly three times the rate of older drivers, with most wrecks occurring at nighttime and on the weekends.[5]
Some insurance companies consider age as a risk factor differently, so comparing insurance quotes can help you avoid high rates. Below, you can look at the chart below for the cheapest insurers for young Cayenne drivers, based on our data.
Drivers with many years behind the wheel are generally safer drivers with fewer accidents. That’s why insurance companies typically charge senior drivers the least for car insurance compared to any other age group. But rates vary by company, so you should always compare quotes to find the best deal.
Here are the monthly average rates from the cheapest insurers for senior drivers with a Porsche Cayenne, based on Compare.com data.
Your driving record significantly affects your insurance rates. Car insurance companies view accidents, tickets, and DUIs as indicators of claims risk. Even a single speeding ticket or at-fault accident can increase your premium, usually for a minimum of three years.[6]
Let’s take a look at the table below to see average monthly premiums for Cayenne drivers based on driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $169 |
| Speeding ticket | $226 |
| At-fault accident | $242 |
| DUI | $284 |
As you can see, car insurance rates jump substantially after an at-fault accident or DUI conviction. Porsche Cayenne drivers pay around $284 per month after a DUI, which is about 68% more than Cayenne drivers with a clean record.
Speeding is an aggressive driving behavior that can lead to accidents. It contributes to nearly 30% of traffic fatalities, according to the National Highway Traffic Safety Administration (NHTSA).[7] How much your premium will increase depends on the severity of the ticket and your insurance company. Comparing quotes after a speeding ticket is the best way to lessen the rate increase.
Check out the chart below for the cheapest insurance companies for Cayenne drivers with a speeding ticket, based on our data.
If you’re in an at-fault accident, insurers often raise your rates because they see you as a higher risk of filing future claims.[8] Premiums and how insurers rate for accidents vary by company, so shopping around can help you find lower rates.
The following chart breaks down the cheapest insurance companies for Cayenne drivers with an at-fault accident, according to data from Compare.com.
A DUI causes the most significant rate increase of any driving infraction because it makes you much more likely to cause serious harm to others. Around 34 people die every day in crashes involving an alcohol-impaired driver in the U.S., according to the NHTSA.[9]
If you have a recent DUI conviction, you should consider comparing quotes from companies that specialize in high-risk drivers or penalize DUIs less than other insurers.
The chart below shows the cheapest Porsche Cayenne insurance companies for drivers with a DUI, based on our data.
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Personal factors aren’t the only criteria insurers use to price policies. Here are a few of the vehicle-specific variables companies will likely consider when determining rates for a Porsche Cayenne:
High vehicle value: A new Cayenne starts at $88,800 and can reach well over six figures for certain trims.[10] Higher vehicle costs result in bigger claim payouts and more expensive insurance rates.
Performance and repair costs: The Cayenne has a sporty engine and premium parts that cost more to replace than those of average SUVs, raising insurance premiums.
Safety features: The Cayenne comes standard with systems like lane departure and collision warning, which may qualify you for a safety features discount.[11]
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Here are some tips to get cheaper Porsche Cayenne car insurance:
Choose a cheaper trim. Porsche offers many Cayenne models to choose from. The GTS, hybrid, and turbo models are pricier than the base model and will cost more to insure.
Consider a gas-powered model. On average, electric vehicles in the U.S. cost around 8% more, on average, to insure than gas-powered cars, so you may want to consider a gas-powered Cayenne. That said, electric vehicle owners also save money on fuel costs.
Buy an SUV instead of a coupe. The Cayenne comes in your choice of an SUV or a coupe. An SUV is typically cheaper to insure than a coupe or sports car, according to our data.
Evaluate your coverage needs. If you can afford a Porsche, you may have a net worth that needs protecting. Make sure your liability coverage limits are high enough to protect your assets in case you cause a serious accident.
Comparing car insurance quotes can save you up to $867
If you’re looking for insurance for your Porsche Cayenne, the following information can help answer your remaining questions about finding a good deal.
Not really. The Porsche Cayenne’s average rates are similar to the national average for all vehicles. The Cayenne costs an average of $169 per month to insure, which is only a few dollars higher than the national average of $166 per month, according to Compare.com data.
USAA is the cheapest insurance company for a Porsche Cayenne, based on our data. Its average rate is $91 per month, compared to the national average for the Cayenne of $169.
Car insurance for a 2026 Porsche Cayenne costs $203 per month, on average, according to Compare.com data. Drivers pay $140 per month for liability coverage and $265 per month for a full-coverage policy.
The Porsche Boxster is the cheapest Porsche model to insure, with an average monthly insurance cost of $139, according to Compare.com data. The Porsche Cayman is the next-cheapest model, at $160 per month, followed by the Cayenne and Macan, at $169 and $175 per month, respectively.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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