Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for a Porsche Cayman are $1,086 every 12 months including full coverage. Comprehensive costs on average $198 a year, collision insurance costs $270, and liability coverage is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,334. Teenage drivers cost the most to insure at up to $4,282 a year.
Average premium for full coverage: $1,086
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Cayman trim levels.
Price Range Variability
For the normal driver, Porsche Cayman insurance rates range from the cheapest price of $510 for your basic liability-only policy to a high of $2,334 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.
The examples above highlight why it is important to compare rates quotes based on a specific location and their own driving history, 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.
More Rate Information
The chart below breaks down average Porsche Cayman insurance rates for different risk profiles and scenarios.
- The best discount rate is $653
- Raising to $1,000 deductibles will save around $980 every year
- The average price for a good driver age 40 with $500 deductibles is $1,086
- Using low $100 deductibles increases the price to $1,288
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,334
- Policy cost to insure a teenage driver may cost $4,282
Insurance rates for a Porsche Cayman also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Cayman.
Using high physical damage deductibles can reduce rates by up to $310 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,200 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 likely paying at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Porsche Cayman insurance rates. A middle-age driver might find rates as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,550 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $982 | -$104 | -9.6% |
| Alaska | $834 | -$252 | -23.2% |
| Arizona | $902 | -$184 | -16.9% |
| Arkansas | $1,086 | -$0 | 0.0% |
| California | $1,238 | $152 | 14.0% |
| Colorado | $1,038 | -$48 | -4.4% |
| Connecticut | $1,116 | $30 | 2.8% |
| Delaware | $1,230 | $144 | 13.3% |
| Florida | $1,358 | $272 | 25.0% |
| Georgia | $1,002 | -$84 | -7.7% |
| Hawaii | $780 | -$306 | -28.2% |
| Idaho | $736 | -$350 | -32.2% |
| Illinois | $810 | -$276 | -25.4% |
| Indiana | $816 | -$270 | -24.9% |
| Iowa | $732 | -$354 | -32.6% |
| Kansas | $1,034 | -$52 | -4.8% |
| Kentucky | $1,484 | $398 | 36.6% |
| Louisiana | $1,606 | $520 | 47.9% |
| Maine | $670 | -$416 | -38.3% |
| Maryland | $896 | -$190 | -17.5% |
| Massachusetts | $870 | -$216 | -19.9% |
| Michigan | $1,886 | $800 | 73.7% |
| Minnesota | $910 | -$176 | -16.2% |
| Mississippi | $1,300 | $214 | 19.7% |
| Missouri | $964 | -$122 | -11.2% |
| Montana | $1,166 | $80 | 7.4% |
| Nebraska | $858 | -$228 | -21.0% |
| Nevada | $1,302 | $216 | 19.9% |
| New Hampshire | $784 | -$302 | -27.8% |
| New Jersey | $1,214 | $128 | 11.8% |
| New Mexico | $962 | -$124 | -11.4% |
| New York | $1,144 | $58 | 5.3% |
| North Carolina | $626 | -$460 | -42.4% |
| North Dakota | $890 | -$196 | -18.0% |
| Ohio | $750 | -$336 | -30.9% |
| Oklahoma | $1,116 | $30 | 2.8% |
| Oregon | $994 | -$92 | -8.5% |
| Pennsylvania | $1,036 | -$50 | -4.6% |
| Rhode Island | $1,450 | $364 | 33.5% |
| South Carolina | $984 | -$102 | -9.4% |
| South Dakota | $916 | -$170 | -15.7% |
| Tennessee | $950 | -$136 | -12.5% |
| Texas | $1,310 | $224 | 20.6% |
| Utah | $804 | -$282 | -26.0% |
| Vermont | $742 | -$344 | -31.7% |
| Virginia | $650 | -$436 | -40.1% |
| Washington | $840 | -$246 | -22.7% |
| West Virginia | $996 | -$90 | -8.3% |
| Wisconsin | $752 | -$334 | -30.8% |
| Wyoming | $970 | -$116 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayman 2-Dr Coupe | $1,068 | $89 |
| Porsche Cayman S 2-Dr Coupe | $1,104 | $92 |
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 | $262 | $440 | $474 | $1,334 |
| 2012 Porsche Cayman | $236 | $372 | $478 | $1,244 |
| 2008 Porsche Cayman | $198 | $270 | $460 | $1,086 |
| 2007 Porsche Cayman | $194 | $258 | $452 | $1,062 |
| 2006 Porsche Cayman | $178 | $246 | $446 | $1,028 |
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 Cheap Porsche Cayman Insurance
Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates every couple of years by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a quick review of the material that was presented in the illustrations above.
- Consumers who require higher levels of liability will pay an extra $510 per year to raise from a 30/60 limit to a 250/500 level
- Teenage drivers pay the highest rates, with premiums being up to $357 each month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,250 more each year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,282 |
| 20 | $2,482 |
| 30 | $1,110 |
| 40 | $1,086 |
| 50 | $996 |
| 60 | $974 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,196 |
| $500 | $1,086 |
| $1,000 | $980 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,086 |
| 50/100 | $1,196 |
| 100/300 | $1,311 |
| 250/500 | $1,610 |
| 100 CSL | $1,242 |
| 300 CSL | $1,495 |
| 500 CSL | $1,679 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,046 |
| 20 | $3,948 |
| 30 | $2,362 |
| 40 | $2,334 |
| 50 | $2,232 |
| 60 | $2,210 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $69 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $41 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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