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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U.S. average insurance rates for a Porsche Cayman are $1,104 a year with full coverage. Comprehensive costs an estimated $200, collision insurance costs $278, and liability is estimated at $468. A policy with just liability insurance costs approximately $518 a year, and coverage for high-risk drivers costs around $2,378. Teen drivers pay the highest rates at up to $4,354 a year.

Average premium for full coverage: $1,104

Price estimates broken down by individual coverage:

Comprehensive $200
Collision $278
Liability $468

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Cayman models.

Price Range from Low to High

For a 40-year-old driver, Porsche Cayman insurance prices range from as low as $518 for a discount liability-only rate to the much higher price of $2,378 for a driver who requires high-risk insurance.

Liability Only $518
Full Coverage $1,104
High Risk $2,378

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

Rural Areas $828
Small Cities $1,159
Large Cities $1,490

The ranges above demonstrate why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below details average Porsche Cayman insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $661
  • Choosing higher $1,000 deductibles can save approximately $110 annually
  • The average rate for the average middle-age driver who has $500 deductibles is $1,104
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,310
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,378
  • The price for full coverage for a 16-year-old driver for full coverage can cost as much as $4,354 each year

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing Porsche Cayman insurance rates range from $661 to $4,354 for full coverage

Insurance prices for a Porsche Cayman are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Cayman insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,490 on average in New York, Michigan, and Florida.

Porsche Cayman Insurance Rates by State
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%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

Choosing high deductibles can save as much as $320 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $421 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,300 to $1,800 extra each year, depending on your age. Porsche Cayman insurance for high-risk drivers ranges from 41% to 131% more than average. View High Risk Driver Rates

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 $1,086 $91
Porsche Cayman S 2-Dr Coupe $1,122 $94

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 $278 $504 $460 $1,400
2012 Porsche Cayman $262 $440 $474 $1,334
2008 Porsche Cayman $208 $308 $474 $1,148
2007 Porsche Cayman $200 $278 $468 $1,104
2006 Porsche Cayman $198 $270 $460 $1,086

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 the Cheapest Porsche Cayman Insurance

Getting lower rates on insurance for a Porsche Cayman takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a recap of the concepts that were illustrated above.

  • Drivers considered higher risk that have major violations or accidents may pay on average $1,270 more annually to buy Porsche Cayman insurance
  • Drivers age 20 and younger are charged the highest prices, costing up to $363 a month for full coverage
  • You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $325 each year
  • You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Porsche Cayman Insurance 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

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,310
$250 $1,216
$500 $1,104
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
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

Porsche Cayman Insurance 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.

SR-22 Surcharge $149

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
Rate after discounts $661

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

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