Porsche Cayenne vs Land Rover Defender Insurance Cost

The Porsche Cayenne is cheaper to insure by about $45 a year for full coverage by our estimate ($1,770 vs. $1,815), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Porsche Cayenne	Land Rover Defender	Difference
State minimum	$495	$565	−$70
Standard (100/300/100)	$720	$820	−$100
Full coverage	$1,770	$1,815	−$45

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cayenne minus Defender.

Why one costs more to insure

Factor	Porsche Cayenne	Land Rover Defender
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel	Gasoline, Hybrid
HLDI collision (100 = avg)	150	126
HLDI comprehensive	179	176
HLDI property damage liability	84	109
HLDI bodily injury liability	58	70
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	5	3

Collision losses are the biggest swing factor: the Porsche Cayenne has 24 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Cayenne vs Defender insurance by state

State	Cayenne	Defender	Difference
Alabama	$1,600	$1,625	−$25
Alaska	$1,555	$1,585	−$30
Arizona	$1,845	$1,905	−$60
Arkansas	$1,665	$1,690	−$25
California	$1,750	$1,765	−$15
Colorado	$2,100	$2,170	−$70
Connecticut	$1,800	$1,860	−$60
Delaware	$1,840	$1,925	−$85
District of Columbia	$2,245	$2,285	−$40
Florida	$2,310	$2,430	−$120
Georgia	$2,065	$2,155	−$90
Hawaii	$1,235	$1,245	−$10
Idaho	$1,215	$1,245	−$30
Illinois	$1,565	$1,600	−$35
Indiana	$1,290	$1,315	−$25
Iowa	$1,330	$1,355	−$25
Kansas	$1,540	$1,575	−$35
Kentucky	$1,485	$1,530	−$45
Louisiana	$2,425	$2,505	−$80
Maine	$1,160	$1,180	−$20
Maryland	$1,935	$1,995	−$60
Massachusetts	$1,730	$1,765	−$35
Michigan	$1,945	$1,980	−$35
Minnesota	$1,565	$1,605	−$40
Mississippi	$1,765	$1,805	−$40
Missouri	$1,675	$1,715	−$40
Montana	$1,550	$1,585	−$35
Nebraska	$1,540	$1,575	−$35
Nevada	$1,840	$1,930	−$90
New Hampshire	$1,285	$1,305	−$20
New Jersey	$1,985	$2,065	−$80
New Mexico	$1,625	$1,665	−$40
New York	$2,250	$2,335	−$85
North Carolina	$1,405	$1,415	−$10
North Dakota	$1,285	$1,300	−$15
Ohio	$1,300	$1,325	−$25
Oklahoma	$1,705	$1,740	−$35
Oregon	$1,505	$1,565	−$60
Pennsylvania	$1,610	$1,635	−$25
Rhode Island	$2,030	$2,100	−$70
South Carolina	$1,820	$1,895	−$75
South Dakota	$1,580	$1,610	−$30
Tennessee	$1,530	$1,555	−$25
Texas	$2,185	$2,240	−$55
Utah	$1,530	$1,585	−$55
Vermont	$1,230	$1,240	−$10
Virginia	$1,525	$1,565	−$40
Washington	$1,475	$1,525	−$50
West Virginia	$1,575	$1,605	−$30
Wisconsin	$1,275	$1,305	−$30
Wyoming	$1,600	$1,630	−$30

By driver profile (full coverage)

Driver	Cayenne	Defender
Teen driver (18, own policy)	$4,860	$4,990
Young adult (22)	$2,830	$2,905
Adult in their 30s	$1,770	$1,815
Adult in their 50s	$1,625	$1,670
Senior (72)	$1,980	$2,035
30s, one at-fault accident	$2,565	$2,630
30s, DUI on record	$3,270	$3,360

More comparisons

Frequently asked questions

Is the Porsche Cayenne or the Land Rover Defender cheaper to insure?

By our estimate the Porsche Cayenne is cheaper, by about $45 a year for full coverage ($1,770 vs. $1,815) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Porsche Cayenne and Land Rover Defender?

Mostly because of insurance-loss history: HLDI collision indices of 150 vs. 126 and comprehensive indices of 179 vs. 176 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page