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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The average insurance prices for a Porsche Cayman are $1,062 every 12 months with full coverage. Comprehensive insurance costs approximately $194 a year, collision insurance costs $258, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,278 or more. Teen drivers cost the most to insure at up to $4,186 a year.
Average premium for full coverage: $1,062
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Cayman trim levels.
Price Range Variability
For a driver around age 40, Porsche Cayman insurance rates range from the cheapest price of $504 for the bare minimum liability coverage to a high of $2,278 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location and their own driving history, 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 Information
The chart below details average Porsche Cayman insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $642
- Choosing higher $1,000 deductibles can save $960 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,062
- Choosing low $100 deductibles for comp and collision coverage costs an extra $196 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,278
- Policy cost to insure a teen driver can cost $4,186 each year
Insurance rates for a Porsche Cayman also range considerably based on liability limits and deductibles, your driving record, and the model of your Cayman.
Choosing high deductibles can save as much as $300 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 137% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Porsche Cayman insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,440 on average in New York, Michigan, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for More Affordable Porsche Cayman Insurance
Finding cheaper rates on Porsche Cayman insurance takes being safe and accident-free, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.
Below you'll find a summary of the information covered above.
- You may be able to save around $120 per year just by quoting early and online
- Youthful drivers are the costliest to insure, as much as $349 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,220 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay about $500 every year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,258 |
| $250 | $1,168 |
| $500 | $1,062 |
| $1,000 | $960 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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