Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Porsche Cayman are $1,086 annually for full coverage insurance. Comprehensive costs approximately $198, collision costs $270, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,334. Teen drivers pay the most at $4,282 a year or more.

Average premium for full coverage: $1,086

Premium estimates by type of coverage:

Comprehensive $198
Collision $270
Liability $460

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Cayman trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Porsche Cayman go from as cheap as $510 for just liability coverage to a much higher rate of $2,334 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,086
High Risk $2,334

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using 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 illustrates estimated Porsche Cayman insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $653
  • Drivers who choose higher $1,000 deductibles will pay $106 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,086
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,288
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,334 or more
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost $4,282 a year

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing full coverage Porsche Cayman insurance rates range from $653 to $4,282

Auto insurance prices for a Porsche Cayman also have a wide range based on the model of your Cayman, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $310 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Porsche Cayman insurance prices. A 40-year-old driver could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,470 on average in Florida, New York, and Michigan.

Porsche Cayman Insurance Rates by State
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%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every company uses a different rate calculation, and quoted prices will be substantially different between companies.

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 $1,068 $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.

Porsche Cayman Insurance Rates by Model Year
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 Buy the Best Porsche Cayman Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief recap of the concepts that were raised in the charts and tables above.

  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,250 more per year than a driver with a clean driving record
  • 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $357 per month if full coverage is included
  • It is possible to save around $120 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $300 each year
  • It is possible to save around $120 per year simply by shopping early and online

Rates by Driver Age

Porsche Cayman Insurance 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

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,086
$1,000 $980

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
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

Porsche Cayman Insurance 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.

SR-22 Surcharge $145

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
Rate after discounts $653

Discounts are estimated and may not be available from every company or in every state.

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