Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Porsche Cayman are $1,104 a year for full coverage. Comprehensive costs on average $200 each year, collision insurance costs $278, and liability is estimated at $468. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $2,378. Teen drivers receive the highest rates at up to $4,354 a year.
Average premium for full coverage: $1,104
Rate estimates by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cayman models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $518 for just the minimum liability insurance to a high rate of $2,378 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.
These examples show why all drivers should get quotes based on a specific location 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.
Additional Rate Analysis
The chart below shows average Porsche Cayman insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $661
- Choosing higher $1,000 deductibles can save around $110 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,104
- Choosing 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 upwards of $2,378
- The cost for full coverage for a 16-year-old driver may cost $4,354 each year
Auto insurance rates for a Porsche Cayman can also vary considerably based on your driver profile, the trim level of your Cayman, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Porsche Cayman insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Idaho, Maine, and Iowa, or as much as $1,580 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can save as much as $320 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. 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
| 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 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 | $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 Find Cheaper Porsche Cayman Insurance
Saving money on insurance for a Porsche Cayman takes being a low-risk driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The items below are a condensed summary of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents will pay on average $1,270 more each year to insure their Cayman
- Drivers can save as much as $130 per year just by quoting online in advance
- Increasing deductibles can save around $325 each year
- Insureds who require more liability coverage will pay about $520 each year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,216 |
| $500 | $1,104 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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