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 auto insurance rates for a Porsche Cayman are $1,062 annually with full coverage. Comprehensive costs around $194, collision costs $258, and liability coverage is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,278. Teens receive the highest rates at $4,186 a year or more.
Average premium for full coverage: $1,062
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Cayman models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $504 for just liability coverage to the much higher price of $2,278 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.
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 details estimated Porsche Cayman insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $642
- Raising to $1,000 deductibles will save about $102 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,062
- Selecting pricier low deductibles will cost $1,258
- Unlucky drivers with serious driving violations could pay at least $2,278 or more
- The cost with full coverage for a teenage driver for full coverage can be $4,186
Insurance rates for a Porsche Cayman can also vary considerably based on the trim level of your Cayman, your driving record, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,300 to $1,800 extra per year, depending on your age. Porsche Cayman insurance for high-risk drivers is expensive and can cost around 43% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 a year, whereas buying more liability protection will increase rates. Moving 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 $770 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,440 on average in Florida, Michigan, 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% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.
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 Buy Affordable Porsche Cayman Insurance
Saving money on auto insurance consists of being a good driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief review of the information touched on in the above illustrations.
- You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 pay higher rates, with premiums as much as $349 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $300 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,220 more every year than a safer driver
- Consumers who may need an increased level of liability coverage will pay approximately $500 every year to raise from a minimum limit to higher 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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