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 $1,086 a year including full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $270, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs $2,334 or more. Teen drivers pay the highest rates at up to $4,282 a year.

Average premium for full coverage: $1,086

Price estimates for individual coverage:

Comprehensive $198
Collision $270
Liability $460

These estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Cayman models.

Price Range from Low to High

For the average driver, Porsche Cayman insurance prices range from the low end price of $510 for minimum levels of liability insurance to a high rate of $2,334 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,086
High Risk $2,334

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

The ranges above highlight why all drivers should get quotes for a specific zip code, rather than relying on 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 Details

The chart below breaks down average Porsche Cayman insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $653
  • Choosing higher $1,000 deductibles can save about $106 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,086
  • Choosing low deductibles for comp and collision coverage will cost an additional $202 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,334
  • The price that insures a teen driver can be $4,282 each year

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing Porsche Cayman insurance prices range from $653 to $4,282 for full coverage

Car insurance prices for a Porsche Cayman are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Cayman insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,550 on average in Michigan, New York, and Louisiana.

Porsche Cayman Insurance Rates by State
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%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

Choosing high deductibles can save as much as $310 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 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 $1,068 $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.

Porsche Cayman Insurance Rates by Model Year
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 Find Cheap Porsche Cayman Insurance

Getting lower rates on Porsche Cayman insurance takes not taking risks behind the wheel, having a positive credit history, being claim-free, and consideration of higher deductibles. Shop around once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief summary of the data that was touched on above.

  • You may be able to save up to $120 per year just by quoting online in advance
  • Drivers who may need higher liability limits will pay about $510 per year to raise limits from a low limit to the 250/500 level
  • Teens are the costliest to insure, possibly costing $357 a month if full coverage is purchased
  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,250 more every year for Cayman insurance

Rates by Driver Age

Porsche Cayman Insurance 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

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,086
$1,000 $980

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
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

Porsche Cayman Insurance 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.

SR-22 Surcharge $145

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
Rate after discounts $653

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

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