Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Porsche Cayman are $1,062 annually for full coverage insurance. Comprehensive costs on average $194 a year, collision insurance costs $258, and liability coverage is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs around $2,278. Teenage drivers pay the most at up to $4,186 a year.

Average premium for full coverage: $1,062

Premium estimates by type of coverage:

Comprehensive $194
Collision $258
Liability $452

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Cayman trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Porsche Cayman range from as cheap as $504 for minimum levels of liability insurance to a high of $2,278 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

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

These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.

Additional Rate Details

The chart below illustrates average Porsche Cayman insurance rates for different risk profiles and scenarios.

  • The best discount rate is $642
  • Raising to $1,000 deductibles will save around $960 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,062
  • Using low $100 deductibles will cost $1,258
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $2,278
  • An auto insurance policy with full coverage for a teenage driver may cost $4,186

View Chart as Image

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

Car insurance prices for a Porsche Cayman also have a wide range based on the model of your Cayman, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $300 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,440 on average in Michigan, New York, and Florida.

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

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 Buy Cheap Porsche Cayman Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a brief summary of the information raised in the charts and tables above.

  • It is possible to save as much as $120 per year just by quoting early and online
  • Youthful drivers are expensive to insure, with premiums being up to $349 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles could save up to $300 each year
  • Drivers that tend to have accidents or serious violations may pay on average $1,220 more each year than a low-risk driver
  • Consumers who require more liability protection will pay an extra $500 annually to raise from 30/60 bodily injury limits to higher 250/500 limits

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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