Porsche Cayman Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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The average auto insurance rates for a Porsche Cayman are $1,086 annually for full coverage. Comprehensive insurance costs an estimated $198 a year, collision costs $270, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,334 or more. 16-year-old drivers cost the most to insure at $4,282 a year or more.

Average premium for full coverage: $1,086

Policy rates broken down by type of insurance:

Comprehensive $198
Collision $270
Liability $460

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Cayman trim levels.

Price Range Variability

Using a middle-aged driver as an example, Porsche Cayman insurance rates go from as cheap as $510 for just the minimum liability insurance to a high of $2,334 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

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

The examples above show why it is important to compare rates for a targeted area and their own personal driving habits, instead of 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.

Additional Rate Analysis

The chart below shows estimated Porsche Cayman insurance rates for other coverage scenarios.

  • The best full coverage rate is $653
  • Drivers who choose higher $1,000 deductibles will pay approximately $980 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,086
  • Buying low $100 deductibles for comprehensive and collision insurance costs an additional $202 every year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,334 or more
  • Policy cost with full coverage for a teen driver can cost as much as $4,282 a year

View Chart as Image

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

Insurance rates for a Porsche Cayman also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a clean 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. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $310 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Porsche Cayman insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Iowa, Maine, and Idaho, or at least $1,550 on average in New York, Louisiana, 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

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, so the rates will be varied 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 2007 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 $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 Buy Cheap Porsche Cayman Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the data touched on in the above illustrations.

  • Policyholders who want higher liability limits will pay around $510 each year to go from a 30/60 limit to higher 250/500 limits
  • Drivers can save approximately $120 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $300 each year
  • Teenagers are charged the highest rates, costing up to $357 each month including comprehensive and collision insurance

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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