Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated insurance rates for a Porsche Cayman are $1,062 a year for full coverage. Comprehensive costs around $194 each year, collision costs $258, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing around $2,278. 16-year-old drivers pay the most at $4,186 a year or more.

Average premium for full coverage: $1,062

Premium estimates for type of coverage:

Comprehensive $194
Collision $258
Liability $452

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Cayman models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Porsche Cayman go from as low as $504 for your basic liability-only policy to a high rate of $2,278 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how where you live affects auto insurance rates.

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

These rate differences show why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on rate 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.

More Rate Information

The chart below shows estimated Porsche Cayman insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $642
  • Using higher $1,000 deductibles will save about $102 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,062
  • Buying low deductibles for physical damage coverage will increase the cost to $1,258
  • High-risk insureds with multiple tickets or accidents could pay at least $2,278 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can be $4,186 or more

View Chart as Image

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

Car insurance prices for a Porsche Cayman also have a wide range based on your driving characteristics, the trim level of your Cayman, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,100 a year. View Rates by Age

Where you choose to live has a huge impact on Porsche Cayman insurance prices. A driver around age 40 might see prices as low as $700 a year in states like Idaho, Maine, and Iowa, or at least $1,520 on average in Michigan, Louisiana, and New York.

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

Opting for high physical damage deductibles could cut prices by as much as $300 annually, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 137% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

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 the Best Porsche Cayman Insurance

Finding better rates on insurance for a Porsche Cayman requires having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief recap of the primary concepts that were touched on in the above illustrations.

  • Drivers can save up to $120 per year simply by quoting online in advance
  • Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,220 more every year to buy Porsche Cayman insurance
  • Increasing policy deductibles can save around $300 each year
  • Drivers age 20 and younger are the costliest to insure, as much as $349 per month if full coverage is included

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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