Porsche Cayenne insurance group
Compare car insurance costs for your Porsche Cayenne based on the specific model version, the driver's age and their location.
The Porsche Cayenne is a luxury SUV, providing power and style. This guide explains everything you need to know about buying car insurance for this vehicle.
Why choose a Porsche Cayenne?
There aren’t many SUVs that combine style and power as well as this one. On top of that, it is packed with technological features and scored a full 5-star safety rating from Euro NCAP.
What insurance group does the Porsche Cayenne fall under?
When it comes to car insurance, all vehicles are given a specific insurance group before they are made available to buy. These groups range from 1 (cheapest) to 50 (most expensive to insure) and this helps insurers determine a suitable premium. The Porsche Cayenne can be found in insurance groups 40 to 50, meaning the car insurance will be very expensive compared to the average vehicle.
The costs will vary slightly, depending on the insurance group that your chosen model of the Cayenne appears in. For example, a 30-year-old driver in an average postcode could pay around £1,018 for cover on a Porsche Cayenne 3.0 D Diesel 5d Tiptronic S that is in insurance group 40 or around £1,219 for a Porsche Cayenne 3.6 S 5d Tiptronic S that is in insurance group 50. As you can see, that’s a significant difference for the same vehicle in two different insurance groups.
Porsche Cayenne insurance cost by location
The table above illustrates the average cost of insuring a Porsche Cayenne based on insurance groups and driver age. However, there are a lot of other factors that affect the cost of your car insurance premium, including where you live.
To show the impact that your address can have on your car insurance premium, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Porsche Cayenne 4.8 S 5d Tiptronic S.
- Expensive: £1,265 (London SE1)
- Average: £1,112 (Newcastle NE1)
- Cheap: £844 (Galashiels TD1)
Which factors affect my Porsche Cayenne insurance rate?
Here are some more key factors that have a large impact on your insurance premium costs:
- Engine type and capacity. In general, cars with bigger engines cost more to insure. This is because larger engines cost more to repair and replace. It may cost £1,232 to insure a Porsche Cayenne 3.0D Diesel 245bhp 5d Tiptronic S, while you may pay £1,302 for a Porsche Cayenne 4.8 Turbo 10/14- 5d Tiptronic S.
- Driver location. Insurers will use previous claims data to estimate the likelihood of someone in your neighbourhood making a claim on their policy. This will affect the premium offered to you. For example, a 30-year-old in central London may pay £1,265 for insurance for a Porsche Cayenne 4.8 S 5d Tiptronic S, while the same 30-year-old in Newcastle may only pay £1,112. That’s a £153 difference between those living in these two cities, because Londoners are statistically more likely to make a claim.
- Driver age. The youngest drivers are charged higher premiums as they are statistically the most likely to claim on their policy. As an example, the average 20-year-old driver in London may pay £2,252 for the Porsche Cayenne 4.2D S Diesel Tiptronic S 5d, while the average 40-year-old Londoner will only pay £1,248. That’s a £1,004 difference based solely on the age of the driver.
Other factors that influence the cost of your insurance include:
- Your car usage
- Your no-claim discount
- Annual miles driven
- Your annual mileage
- Your car’s safety rating score
- The model of your car
- The age of your car
- Your car’s security and any extra anti-theft precautions
- Your marital status
- Your credit history and job
How can I save on my Porsche Cayenne premium?
Porsche Cayenne insurance tends to be more expensive than most other vehicles, so it’s worth doing what you can to keep costs down. We have listed some ideas for achieving this below.
- Limit your car usage (where possible). Reducing your annual mileage can help to save on your premium, so consider if there are any journeys you can occasionally take by foot or public transport.
- Pay annually rather than monthly. When you pay annually for car insurance, you eliminate the possibility of paying interest on monthly premiums.
- Install extra safety precautions. By installing additional safety features, you make yourself less of a risk in the eyes of insurers. For this reason, you can be rewarded with a lower premium, essentially meaning that these additions can eventually pay for themselves.
- Don’t just accept your renewal quote. Although it might be a hassle, it’s always worth shopping around for the best car insurance deal on the market. Don’t just settle for the renewal price given to you – there may be cheaper options out there!
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