Porsche Cayenne Insurance Cost
Full coverage for a Porsche Cayenne costs about $1,770 a year ($147/month) by our estimate — ▲ +11% versus the average vehicle, ranking 199th cheapest of 310 current models.
Porsche Cayenne insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Porsche Cayenne.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $495 | $41 | $410–$585 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $720 | $60 | $590–$850 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,770 | $147 | $1,450–$2,085 |
What drives the cost of insuring a Porsche Cayenne
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Porsche Cayenne's results put our vehicle factor at 0.81× for liability, 1.48× for collision and 1.72× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 150 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 179 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 84 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 58 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 53 | Much better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 62 | Much better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (4)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Porsche Cayenne 4dr 4WD | 150 | 179 | 84 | 58 |
| Porsche Cayenne Coupe 4dr 4WD | 201 | 187 | 72 | — |
| Porsche Cayenne plug-in hybrid 4dr 4WD | 175 | 183 | 100 | — |
| Porsche Cayenne Coupe plug-in hybrid 4dr 4WD | 205 | 200 | — | — |
- Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 5 NHTSA recall campaigns and 14 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Porsche Cayenne trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Cayenne | AWD | 3.0L 6-cyl Turbo | 19 |
| Cayenne Coupe | AWD | 3.0L 6-cyl Turbo | 19 |
| Cayenne GTS | AWD | 4.0L 8-cyl Turbo | 18 |
| Cayenne GTS Coupe | AWD | 4.0L 8-cyl Turbo | 18 |
| Cayenne S | AWD | 4.0L 8-cyl Turbo | 18 |
| Cayenne S Coupe | AWD | 4.0L 8-cyl Turbo | 18 |
| Cayenne Turbo GT | AWD | 4.0L 8-cyl Turbo | 17 |
Porsche Cayenne insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo | AWD | 17–19 | $1,770 |
| 2025 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.0L 8-cyl Turbo | AWD | 17–22 | $1,720 |
| 2024 | 3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo | AWD | 17–19 | $1,670 |
| 2023 | 2.9L 6-cyl Turbo, 3.0L 6-cyl Turbo, 4.0L 8-cyl Turbo | AWD | 16–19 | $1,620 |
| 2022 | 2.9L 6-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid | AWD | 16–21 | $1,570 |
| 2021 | 2.9L 6-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid | AWD | 17–21 | $1,520 |
| 2020 | 2.9L 6-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid | AWD | 17–21 | $1,470 |
| 2019 | 2.9L 6-cyl Turbo, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid | AWD | 17–21 | $1,425 |
| 2018 | 3.0L 6-cyl Supercharged Plug-in Hybrid, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD | 17–22 | $1,375 |
| 2017 | 3.0L 6-cyl Supercharged Plug-in Hybrid, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD | 17–22 | $1,325 |
| 2016 | 3.0L 6-cyl Supercharged Plug-in Hybrid, 3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl | AWD | 16–24 | $1,275 |
| 2015 | 3.0L 6-cyl Supercharged Plug-in Hybrid, 3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl Turbo | AWD | 17–23 | $1,270 |
| 2014 | 3.0L 6-cyl Supercharged Hybrid, 3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl | AWD | 15–23 | $1,270 |
| 2013 | 3.0L 6-cyl Supercharged Hybrid, 3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl | AWD | 16–23 | $1,270 |
| 2012 | 3.0L 6-cyl Supercharged Hybrid, 3.6L 6-cyl, 4.8L 8-cyl | AWD | 17–21 | $1,270 |
| 2011 | 3.0L 6-cyl Supercharged Hybrid, 3.6L 6-cyl, 4.8L 8-cyl | AWD | 17–21 | $1,270 |
| 2010 | 3.6L 6-cyl, 4.8L 8-cyl, 4.8L 8-cyl Turbo | AWD | 13–16 | $1,270 |
| 2009 | 3.6L 6-cyl, 4.8L 8-cyl, 4.8L 8-cyl Turbo | 4WD/AWD | 13–16 | $1,270 |
| 2008 | 3.6L 6-cyl, 4.8L 8-cyl, 4.8L 8-cyl Turbo | 4WD/AWD | 13–16 | $1,270 |
| 2007 | 3.6L 6-cyl, 4.8L 8-cyl, 4.8L 8-cyl Turbo | 4WD/AWD | 14–16 | $1,270 |
Porsche Cayenne insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Cayenne page for that state.
Porsche Cayenne insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,365 | $1,985 | $4,860 | $405 |
| Young adult (22) | $795 | $1,155 | $2,830 | $236 |
| Adult in their 30s | $495 | $720 | $1,770 | $148 |
| Adult in their 50s | $455 | $665 | $1,625 | $135 |
| Senior (72) | $555 | $810 | $1,980 | $165 |
| 30s, one at-fault accident | $720 | $1,045 | $2,565 | $214 |
| 30s, DUI on record | $920 | $1,335 | $3,270 | $273 |
Porsche Cayenne vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Porsche Cayenne | $1,770 | 150 | 179 | — |
| BMW X5 | $1,690 | 120 | 142 | Compare |
| Cadillac Escalade | $1,655 | 110 | 152 | Compare |
| Land Rover Range Rover | $2,210 | 157 | 339 | Compare |
Estimate Porsche Cayenne insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Porsche models
- 911 $1,750/yr
- Macan $1,700/yr
- Panamera $1,775/yr
- Taycan $2,295/yr
- Boxster $1,670/yr
- Cayman $1,520/yr
- 918 Spyder $1,580/yr
- Carrera GT $1,580/yr
Frequently asked questions
How much is insurance for a Porsche Cayenne?
We estimate about $1,770 a year ($147 a month) for full coverage and $495 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% more than the average vehicle.
Is the Porsche Cayenne expensive to insure?
HLDI insurance-loss data rates it at 150 for collision and 179 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Porsche Cayenne?
Maine has the lowest estimate (about $1,160 a year for full coverage) and Louisiana the highest (about $2,425).
Is the Porsche Cayenne cheaper to insure than the BMW X5?
By our estimate the Porsche Cayenne costs about $1,770 a year versus $1,690 for the BMW X5, making the BMW X5 cheaper to insure.
How much is Porsche Cayenne insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,860 a year at national-average rates by our estimate.
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.