Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Porsche Cayman are $1,104 a year for full coverage. Comprehensive insurance costs around $200, collision costs $278, and liability costs around $468. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing $2,378 or more. Teens cost the most to insure at $4,354 a year or more.
Average premium for full coverage: $1,104
Policy rates for type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Cayman models.
Price Range Variability
For a 40-year-old driver, Porsche Cayman insurance rates go from as low as $518 for your basic liability-only policy to the much higher price of $2,378 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Porsche Cayman insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $661
- Using higher $1,000 deductibles will save about $110 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,104
- Selecting pricier low deductibles for physical damage coverage will cost an extra $206 annually
- High-risk insureds with serious driving violations could pay at least $2,378 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,354 or more
Insurance rates for a Porsche Cayman also range considerably based on your risk profile, the trim level of your Cayman, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,300 a year. View Rates by Age
Your home state has a huge impact on Porsche Cayman insurance prices. A driver around age 40 might see rates as low as $730 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,580 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,000 | -$104 | -9.4% |
| Alaska | $848 | -$256 | -23.2% |
| Arizona | $916 | -$188 | -17.0% |
| Arkansas | $1,104 | -$0 | 0.0% |
| California | $1,258 | $154 | 13.9% |
| Colorado | $1,056 | -$48 | -4.3% |
| Connecticut | $1,136 | $32 | 2.9% |
| Delaware | $1,250 | $146 | 13.2% |
| Florida | $1,382 | $278 | 25.2% |
| Georgia | $1,020 | -$84 | -7.6% |
| Hawaii | $792 | -$312 | -28.3% |
| Idaho | $748 | -$356 | -32.2% |
| Illinois | $824 | -$280 | -25.4% |
| Indiana | $832 | -$272 | -24.6% |
| Iowa | $746 | -$358 | -32.4% |
| Kansas | $1,052 | -$52 | -4.7% |
| Kentucky | $1,508 | $404 | 36.6% |
| Louisiana | $1,636 | $532 | 48.2% |
| Maine | $682 | -$422 | -38.2% |
| Maryland | $910 | -$194 | -17.6% |
| Massachusetts | $884 | -$220 | -19.9% |
| Michigan | $1,920 | $816 | 73.9% |
| Minnesota | $924 | -$180 | -16.3% |
| Mississippi | $1,324 | $220 | 19.9% |
| Missouri | $980 | -$124 | -11.2% |
| Montana | $1,188 | $84 | 7.6% |
| Nebraska | $872 | -$232 | -21.0% |
| Nevada | $1,324 | $220 | 19.9% |
| New Hampshire | $796 | -$308 | -27.9% |
| New Jersey | $1,236 | $132 | 12.0% |
| New Mexico | $980 | -$124 | -11.2% |
| New York | $1,166 | $62 | 5.6% |
| North Carolina | $638 | -$466 | -42.2% |
| North Dakota | $904 | -$200 | -18.1% |
| Ohio | $764 | -$340 | -30.8% |
| Oklahoma | $1,134 | $30 | 2.7% |
| Oregon | $1,012 | -$92 | -8.3% |
| Pennsylvania | $1,054 | -$50 | -4.5% |
| Rhode Island | $1,476 | $372 | 33.7% |
| South Carolina | $1,000 | -$104 | -9.4% |
| South Dakota | $934 | -$170 | -15.4% |
| Tennessee | $968 | -$136 | -12.3% |
| Texas | $1,332 | $228 | 20.7% |
| Utah | $816 | -$288 | -26.1% |
| Vermont | $758 | -$346 | -31.3% |
| Virginia | $662 | -$442 | -40.0% |
| Washington | $854 | -$250 | -22.6% |
| West Virginia | $1,012 | -$92 | -8.3% |
| Wisconsin | $764 | -$340 | -30.8% |
| Wyoming | $984 | -$120 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $421 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional every year, depending on your age. Porsche Cayman insurance for high-risk drivers can be from 41% to 131% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayman 2-Dr Coupe | $1,086 | $91 |
| Porsche Cayman S 2-Dr Coupe | $1,122 | $94 |
Rates assume 2008 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Porsche Cayman | $268 | $472 | $464 | $1,362 |
| 2012 Porsche Cayman | $242 | $410 | $474 | $1,284 |
| 2008 Porsche Cayman | $200 | $278 | $468 | $1,104 |
| 2007 Porsche Cayman | $198 | $270 | $460 | $1,086 |
| 2006 Porsche Cayman | $194 | $258 | $452 | $1,062 |
Rates are averaged for all Porsche Cayman models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Porsche Cayman Insurance
Finding cheaper rates on insurance for a Porsche Cayman requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a quick rundown of the concepts that were illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,270 more every year to insure a Porsche Cayman
- Drivers under the age of 20 are charged the highest rates, costing up to $363 each month including comprehensive and collision insurance
- Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $325 each year
- Drivers can save up to $130 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,354 |
| 20 | $2,522 |
| 30 | $1,132 |
| 40 | $1,104 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,216 |
| $500 | $1,104 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,104 |
| 50/100 | $1,216 |
| 100/300 | $1,333 |
| 250/500 | $1,637 |
| 100 CSL | $1,262 |
| 300 CSL | $1,520 |
| 500 CSL | $1,707 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,148 |
| 20 | $4,020 |
| 30 | $2,404 |
| 40 | $2,378 |
| 50 | $2,270 |
| 60 | $2,246 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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