Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Porsche Cayman are $1,104 every 12 months for full coverage. Comprehensive insurance costs an estimated $200, collision insurance costs $278, and liability insurance is estimated at $468. A policy with only liability insurance costs approximately $518 a year, and a high-risk policy costs $2,378 or more. Teenage drivers pay the most at up to $4,354 a year.
Average premium for full coverage: $1,104
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Cayman models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Porsche Cayman range from the cheapest price of $518 for basic liability insurance to the much higher price of $2,378 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.
These rate differences show why everyone should get quotes for a targeted area 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.
Rate Comparisons
The chart below shows average Porsche Cayman insurance rates for other coverage scenarios.
- The best discount rate is $661
- Choosing higher $1,000 deductibles can save approximately $110 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,104
- Using pricier low deductibles for comp and collision coverage costs an extra $206 a year
- High-risk insureds who are prone to accidents and violations could pay up to $2,378
- An auto insurance policy to insure a teen driver for full coverage can cost as much as $4,354 each year
Car insurance prices for a Porsche Cayman also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles can save as much as $320 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $421 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature 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. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,300 to $1,800 extra annually, depending on your age. Porsche Cayman insurance for high-risk drivers ranges anywhere from 41% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Porsche Cayman insurance rates. A good driver about age 40 could pay as low as $730 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,580 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,000 | -$104 | -9.4% |
| Alaska | $848 | -$256 | -23.2% |
| Arizona | $916 | -$188 | -17.0% |
| Arkansas | $1,104 | -$0 | 0.0% |
| California | $1,258 | $154 | 13.9% |
| Colorado | $1,056 | -$48 | -4.3% |
| Connecticut | $1,136 | $32 | 2.9% |
| Delaware | $1,250 | $146 | 13.2% |
| Florida | $1,382 | $278 | 25.2% |
| Georgia | $1,020 | -$84 | -7.6% |
| Hawaii | $792 | -$312 | -28.3% |
| Idaho | $748 | -$356 | -32.2% |
| Illinois | $824 | -$280 | -25.4% |
| Indiana | $832 | -$272 | -24.6% |
| Iowa | $746 | -$358 | -32.4% |
| Kansas | $1,052 | -$52 | -4.7% |
| Kentucky | $1,508 | $404 | 36.6% |
| Louisiana | $1,636 | $532 | 48.2% |
| Maine | $682 | -$422 | -38.2% |
| Maryland | $910 | -$194 | -17.6% |
| Massachusetts | $884 | -$220 | -19.9% |
| Michigan | $1,920 | $816 | 73.9% |
| Minnesota | $924 | -$180 | -16.3% |
| Mississippi | $1,324 | $220 | 19.9% |
| Missouri | $980 | -$124 | -11.2% |
| Montana | $1,188 | $84 | 7.6% |
| Nebraska | $872 | -$232 | -21.0% |
| Nevada | $1,324 | $220 | 19.9% |
| New Hampshire | $796 | -$308 | -27.9% |
| New Jersey | $1,236 | $132 | 12.0% |
| New Mexico | $980 | -$124 | -11.2% |
| New York | $1,166 | $62 | 5.6% |
| North Carolina | $638 | -$466 | -42.2% |
| North Dakota | $904 | -$200 | -18.1% |
| Ohio | $764 | -$340 | -30.8% |
| Oklahoma | $1,134 | $30 | 2.7% |
| Oregon | $1,012 | -$92 | -8.3% |
| Pennsylvania | $1,054 | -$50 | -4.5% |
| Rhode Island | $1,476 | $372 | 33.7% |
| South Carolina | $1,000 | -$104 | -9.4% |
| South Dakota | $934 | -$170 | -15.4% |
| Tennessee | $968 | -$136 | -12.3% |
| Texas | $1,332 | $228 | 20.7% |
| Utah | $816 | -$288 | -26.1% |
| Vermont | $758 | -$346 | -31.3% |
| Virginia | $662 | -$442 | -40.0% |
| Washington | $854 | -$250 | -22.6% |
| West Virginia | $1,012 | -$92 | -8.3% |
| Wisconsin | $764 | -$340 | -30.8% |
| Wyoming | $984 | -$120 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Porsche Cayman 2-Dr Coupe | $1,086 | $91 |
| Porsche Cayman S 2-Dr Coupe | $1,122 | $94 |
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 | $268 | $472 | $464 | $1,362 |
| 2012 Porsche Cayman | $242 | $410 | $474 | $1,284 |
| 2008 Porsche Cayman | $200 | $278 | $468 | $1,104 |
| 2007 Porsche Cayman | $198 | $270 | $460 | $1,086 |
| 2006 Porsche Cayman | $194 | $258 | $452 | $1,062 |
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 Right Porsche Cayman Insurance
Finding better rates on Porsche Cayman insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.
The points below are a quick rundown of the car insurance concepts covered in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,270 more annually to insure a Porsche Cayman
- Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $325 each year
- Drivers who want increased liability limits will pay an extra $520 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,354 |
| 20 | $2,522 |
| 30 | $1,132 |
| 40 | $1,104 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,216 |
| $500 | $1,104 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,104 |
| 50/100 | $1,216 |
| 100/300 | $1,333 |
| 250/500 | $1,637 |
| 100 CSL | $1,262 |
| 300 CSL | $1,520 |
| 500 CSL | $1,707 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,148 |
| 20 | $4,020 |
| 30 | $2,404 |
| 40 | $2,378 |
| 50 | $2,270 |
| 60 | $2,246 |
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 | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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