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 for full coverage insurance. Comprehensive insurance costs approximately $194, collision costs $258, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,278 or more. Teenage drivers cost the most to insure at $4,186 a year or more.
Average premium for full coverage: $1,062
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Cayman trim levels.
Price Range Variability
For a 40-year-old driver, Porsche Cayman insurance rates go from the cheapest price of $504 for your basic liability-only policy to a much higher rate of $2,278 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on average rates.
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 illustrates estimated Porsche Cayman insurance rates for additional coverage and risk scenarios.
- The best discount rate is $642
- Choosing higher $1,000 deductibles can save $102 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,062
- Using more expensive low deductibles for comp and collision coverage costs an extra $196 a year
- High-risk insureds who are prone to accidents and violations could pay around $2,278 or more
- Policy cost to insure a teen driver with full coverage can cost $4,186 each year
Car insurance rates for a Porsche Cayman also range considerably based on liability limits and deductibles, your risk profile, and the model of your Cayman.
Using high physical damage deductibles can save as much as $300 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged 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 are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 137% more than a normal policy. 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 $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,440 on average in Florida, New York, and Michigan.
| 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% |

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.
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 the Best Porsche Cayman Insurance
Finding cheaper rates on Porsche Cayman insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to shop around every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The points below are a brief recap of the coverage data illustrated above.
- It is possible to save around $120 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $349 each month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may have to pay on average $1,220 more per year to insure a Porsche Cayman
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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