Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Porsche Cayman are $1,062 a year for full coverage. Comprehensive insurance costs approximately $194, collision insurance costs $258, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $2,278 or more. Teen drivers pay the highest rates at up to $4,186 a year.

Average premium for full coverage: $1,062

Price estimates by individual coverage:

Comprehensive $194
Collision $258
Liability $452

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Cayman models.

Price Range from Low to High

Using a middle-aged driver as an example, Porsche Cayman insurance prices range from the low end price of $504 for the bare minimum liability coverage to the much higher price of $2,278 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,062
High Risk $2,278

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $797
Small Cities $1,115
Large Cities $1,434

The ranges above show why everyone should compare rates quotes using their specific location, rather than using price averages.

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.

Additional Rate Information

The chart below shows average Porsche Cayman insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $642
  • Raising to $1,000 deductibles will save $102 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,062
  • Choosing pricier low deductibles will cost an additional $196 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $2,278
  • The price that insures a teenage driver for full coverage can cost $4,186

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing Porsche Cayman insurance prices range from $642 to $4,186 for full coverage

Car insurance prices for a Porsche Cayman are also quite variable based on the model of your Cayman, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,800 extra each year, depending on your age. Porsche Cayman insurance for high-risk drivers is expensive and can cost around 43% to 137% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,100 a year. View Rates by Age

The state you live in also has a big influence on Porsche Cayman insurance rates. A middle-age driver might find prices as low as $700 a year in states like Iowa, Maine, and Idaho, or as much as $1,520 on average in New York, Louisiana, and Michigan.

Porsche Cayman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $962 -$100 -9.4%
Alaska $814 -$248 -23.4%
Arizona $882 -$180 -16.9%
Arkansas $1,062 -$0 0.0%
California $1,210 $148 13.9%
Colorado $1,014 -$48 -4.5%
Connecticut $1,094 $32 3.0%
Delaware $1,202 $140 13.2%
Florida $1,328 $266 25.0%
Georgia $980 -$82 -7.7%
Hawaii $764 -$298 -28.1%
Idaho $718 -$344 -32.4%
Illinois $790 -$272 -25.6%
Indiana $798 -$264 -24.9%
Iowa $716 -$346 -32.6%
Kansas $1,010 -$52 -4.9%
Kentucky $1,448 $386 36.3%
Louisiana $1,572 $510 48.0%
Maine $656 -$406 -38.2%
Maryland $874 -$188 -17.7%
Massachusetts $850 -$212 -20.0%
Michigan $1,846 $784 73.8%
Minnesota $888 -$174 -16.4%
Mississippi $1,272 $210 19.8%
Missouri $942 -$120 -11.3%
Montana $1,140 $78 7.3%
Nebraska $838 -$224 -21.1%
Nevada $1,274 $212 20.0%
New Hampshire $766 -$296 -27.9%
New Jersey $1,186 $124 11.7%
New Mexico $940 -$122 -11.5%
New York $1,118 $56 5.3%
North Carolina $612 -$450 -42.4%
North Dakota $870 -$192 -18.1%
Ohio $734 -$328 -30.9%
Oklahoma $1,090 $28 2.6%
Oregon $972 -$90 -8.5%
Pennsylvania $1,014 -$48 -4.5%
Rhode Island $1,416 $354 33.3%
South Carolina $962 -$100 -9.4%
South Dakota $896 -$166 -15.6%
Tennessee $930 -$132 -12.4%
Texas $1,280 $218 20.5%
Utah $786 -$276 -26.0%
Vermont $726 -$336 -31.6%
Virginia $634 -$428 -40.3%
Washington $822 -$240 -22.6%
West Virginia $972 -$90 -8.5%
Wisconsin $734 -$328 -30.9%
Wyoming $946 -$116 -10.9%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Porsche Cayman Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Porsche Cayman 2-Dr Coupe $1,046 $87
Porsche Cayman S 2-Dr Coupe $1,078 $90

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.

Porsche Cayman Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Porsche Cayman $242 $410 $474 $1,284
2012 Porsche Cayman $220 $340 $474 $1,192
2008 Porsche Cayman $194 $258 $452 $1,062
2007 Porsche Cayman $178 $246 $446 $1,028
2006 Porsche Cayman $172 $232 $442 $1,004

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 Cheaper Porsche Cayman Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Shop around at every policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a condensed summary of the data touched on in the above illustrations.

  • Consumers who purchase additional liability coverage will pay about $500 each year to raise from a low limit to the 250/500 level
  • Drivers can save around $120 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $300 each year
  • 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $349 a month if full coverage is purchased

Rates by Driver Age

Porsche Cayman Insurance Rates by Driver Age
Driver Age Premium
16 $4,186
20 $2,420
30 $1,086
40 $1,062
50 $972
60 $952

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,258
$250 $1,168
$500 $1,062
$1,000 $960

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,062
50/100 $1,168
100/300 $1,281
250/500 $1,575
100 CSL $1,214
300 CSL $1,462
500 CSL $1,643

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayman Insurance Rates for High Risk Drivers
Age Premium
16 $5,908
20 $3,852
30 $2,302
40 $2,278
50 $2,176
60 $2,156

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.

SR-22 Surcharge $141

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $66
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $72
Total Discounts $420
Rate after discounts $642

Discounts are estimated and may not be available from every company or in every state.

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