Porsche Cayman Insurance Rates
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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:
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.
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.
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
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.
| 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 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
| 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.
| 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
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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