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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Average insurance rates for a Porsche Cayman are $1,062 a year for full coverage. Comprehensive insurance costs around $194, collision costs $258, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing $2,278 or more. 16-year-old drivers receive the highest rates at $4,186 a year or more.
Average premium for full coverage: $1,062
Rate estimates for individual coverage type:
Estimates include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Cayman models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $504 for just liability coverage to the much higher price of $2,278 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare prices for a specific zip code and risk profile, rather than using rate 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 estimated Porsche Cayman insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $642
- Using higher $1,000 deductibles will save about $102 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,062
- Buying pricier low deductibles for physical damage coverage will cost an extra $196 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,278 or more
- The cost for full coverage for a teenage driver for full coverage can be $4,186 or more
Insurance rates for a Porsche Cayman can also vary considerably based on your driver profile, the trim level of your Cayman, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age
Where you live has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see rates as low as $700 a year in states like Idaho, Maine, and Iowa, or at least $1,520 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $300 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional per year, depending on your age. Porsche Cayman insurance for high-risk drivers can be around 43% to 137% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.
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 Find Low Cost Porsche Cayman Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following is a review of the car insurance concepts raised in the charts and tables above.
- Drivers who have several accidents or serious violations may be required to pay an average of $1,220 more every year for Cayman insurance
- Drivers can save up to $120 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $300 each year
- Consumers who may need higher liability limits will pay around $500 each year to increase from a minimum limit to 250/500 limits
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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