Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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

Average premium for full coverage: $1,062

Rate estimates by individual coverage type:

Comprehensive $194
Collision $258
Liability $452

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Cayman trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $504 for just liability coverage to a high of $2,278 for a driver who has had serious violations or accidents.

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

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

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

These examples show why it is important to compare rates quotes based on a specific location and their own personal driving habits, 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $642
  • Raising to $1,000 deductibles will save around $960 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,062
  • Choosing low $100 deductibles costs an additional $196 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,278
  • The cost with full coverage for a teen driver may cost $4,186

View Chart as Image

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

Insurance rates for a Porsche Cayman can also vary considerably based on the trim level of your Cayman, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $300 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Porsche Cayman insurance rates. A middle-age driver might find rates as low as $700 a year in states like Idaho, Maine, and Iowa, or as much as $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

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 the Cheapest Porsche Cayman Insurance

Saving money on Porsche Cayman insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to compare rates every other policy renewal by getting price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a recap of the ideas that were presented in the illustrations above.

  • Drivers age 16 to 20 pay the highest rates, costing as high as $349 per month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents may be required to pay an average of $1,220 more each year than a safer driver
  • Increasing deductibles could save up to $300 each year
  • Drivers can save as much as $120 per year just by quoting early and online

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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