Porsche Cayman Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Estimated insurance prices for a Porsche Cayman are $1,086 every 12 months for full coverage insurance. Comprehensive costs an estimated $198 a year, collision costs $270, and liability insurance costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing around $2,334. Teens pay the most at $4,282 a year or more.
Average premium for full coverage: $1,086
Premium estimates broken down by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Cayman trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Porsche Cayman go from the cheapest price of $510 for just liability insurance to a high of $2,334 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location impacts insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area and their own driving history, rather than relying 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 Details
The chart below illustrates estimated Porsche Cayman insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $653
- Using higher $1,000 deductibles will save approximately $980 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,086
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,288
- Drivers with serious driving violations could pay up to $2,334 or more
- An auto insurance policy to insure a teen driver can cost as much as $4,282 or more
Car insurance prices for a Porsche Cayman also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $310 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see prices as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,470 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $982 | -$104 | -9.6% |
| Alaska | $834 | -$252 | -23.2% |
| Arizona | $902 | -$184 | -16.9% |
| Arkansas | $1,086 | -$0 | 0.0% |
| California | $1,238 | $152 | 14.0% |
| Colorado | $1,038 | -$48 | -4.4% |
| Connecticut | $1,116 | $30 | 2.8% |
| Delaware | $1,230 | $144 | 13.3% |
| Florida | $1,358 | $272 | 25.0% |
| Georgia | $1,002 | -$84 | -7.7% |
| Hawaii | $780 | -$306 | -28.2% |
| Idaho | $736 | -$350 | -32.2% |
| Illinois | $810 | -$276 | -25.4% |
| Indiana | $816 | -$270 | -24.9% |
| Iowa | $732 | -$354 | -32.6% |
| Kansas | $1,034 | -$52 | -4.8% |
| Kentucky | $1,484 | $398 | 36.6% |
| Louisiana | $1,606 | $520 | 47.9% |
| Maine | $670 | -$416 | -38.3% |
| Maryland | $896 | -$190 | -17.5% |
| Massachusetts | $870 | -$216 | -19.9% |
| Michigan | $1,886 | $800 | 73.7% |
| Minnesota | $910 | -$176 | -16.2% |
| Mississippi | $1,300 | $214 | 19.7% |
| Missouri | $964 | -$122 | -11.2% |
| Montana | $1,166 | $80 | 7.4% |
| Nebraska | $858 | -$228 | -21.0% |
| Nevada | $1,302 | $216 | 19.9% |
| New Hampshire | $784 | -$302 | -27.8% |
| New Jersey | $1,214 | $128 | 11.8% |
| New Mexico | $962 | -$124 | -11.4% |
| New York | $1,144 | $58 | 5.3% |
| North Carolina | $626 | -$460 | -42.4% |
| North Dakota | $890 | -$196 | -18.0% |
| Ohio | $750 | -$336 | -30.9% |
| Oklahoma | $1,116 | $30 | 2.8% |
| Oregon | $994 | -$92 | -8.5% |
| Pennsylvania | $1,036 | -$50 | -4.6% |
| Rhode Island | $1,450 | $364 | 33.5% |
| South Carolina | $984 | -$102 | -9.4% |
| South Dakota | $916 | -$170 | -15.7% |
| Tennessee | $950 | -$136 | -12.5% |
| Texas | $1,310 | $224 | 20.6% |
| Utah | $804 | -$282 | -26.0% |
| Vermont | $742 | -$344 | -31.7% |
| Virginia | $650 | -$436 | -40.1% |
| Washington | $840 | -$246 | -22.7% |
| West Virginia | $996 | -$90 | -8.3% |
| Wisconsin | $752 | -$334 | -30.8% |
| Wyoming | $970 | -$116 | -10.7% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayman 2-Dr Coupe | $1,068 | $89 |
| Porsche Cayman S 2-Dr Coupe | $1,104 | $92 |
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 | $262 | $440 | $474 | $1,334 |
| 2012 Porsche Cayman | $236 | $372 | $478 | $1,244 |
| 2008 Porsche Cayman | $198 | $270 | $460 | $1,086 |
| 2007 Porsche Cayman | $194 | $258 | $452 | $1,062 |
| 2006 Porsche Cayman | $178 | $246 | $446 | $1,028 |
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 Shop for Affordable Porsche Cayman Insurance
Finding better rates on Porsche Cayman insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief review of the material that was touched on above.
- Drivers who want additional liability coverage will pay approximately $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $357 per month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,250 more annually than a driver with a clean driving record
- Increasing policy deductibles could save as much as $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,282 |
| 20 | $2,482 |
| 30 | $1,110 |
| 40 | $1,086 |
| 50 | $996 |
| 60 | $974 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,196 |
| $500 | $1,086 |
| $1,000 | $980 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,086 |
| 50/100 | $1,196 |
| 100/300 | $1,311 |
| 250/500 | $1,610 |
| 100 CSL | $1,242 |
| 300 CSL | $1,495 |
| 500 CSL | $1,679 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,046 |
| 20 | $3,948 |
| 30 | $2,362 |
| 40 | $2,334 |
| 50 | $2,232 |
| 60 | $2,210 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $41 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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