Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Porsche Cayman are $1,062 a year for full coverage. Comprehensive costs on average $194 a year, collision insurance costs $258, and liability coverage is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,278. Teenage drivers pay the highest rates at up to $4,186 a year.

Average premium for full coverage: $1,062

Price estimates by individual coverage:

Comprehensive $194
Collision $258
Liability $452

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Cayman trim levels.

Price Range from Low to High

For an average driver, Porsche Cayman insurance prices range from the low end price of $504 for just liability insurance to a high of $2,278 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,062
High Risk $2,278

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $797
Small Cities $1,115
Large Cities $1,434

The ranges above show why it is important to get quotes based on a specific location, rather than using average rates.

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.

More Rate Details

The chart below shows average Porsche Cayman insurance rates for different risk profiles and scenarios.

  • The best discount rate is $642
  • Choosing higher $1,000 deductibles can save around $960 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,062
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,258
  • Drivers who are prone to accidents and violations could pay upwards of $2,278
  • The price that insures a teenage driver may cost $4,186 each year

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing Porsche Cayman insurance rates range from $642 to $4,186 for full coverage

Car insurance prices for a Porsche Cayman are also quite variable based on the trim level of your Cayman, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Cayman insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,520 on average in Michigan, Louisiana, and New York.

Porsche Cayman Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $962 -$100 -9.4%
Alaska $814 -$248 -23.4%
Arizona $882 -$180 -16.9%
Arkansas $1,062 -$0 0.0%
California $1,210 $148 13.9%
Colorado $1,014 -$48 -4.5%
Connecticut $1,094 $32 3.0%
Delaware $1,202 $140 13.2%
Florida $1,328 $266 25.0%
Georgia $980 -$82 -7.7%
Hawaii $764 -$298 -28.1%
Idaho $718 -$344 -32.4%
Illinois $790 -$272 -25.6%
Indiana $798 -$264 -24.9%
Iowa $716 -$346 -32.6%
Kansas $1,010 -$52 -4.9%
Kentucky $1,448 $386 36.3%
Louisiana $1,572 $510 48.0%
Maine $656 -$406 -38.2%
Maryland $874 -$188 -17.7%
Massachusetts $850 -$212 -20.0%
Michigan $1,846 $784 73.8%
Minnesota $888 -$174 -16.4%
Mississippi $1,272 $210 19.8%
Missouri $942 -$120 -11.3%
Montana $1,140 $78 7.3%
Nebraska $838 -$224 -21.1%
Nevada $1,274 $212 20.0%
New Hampshire $766 -$296 -27.9%
New Jersey $1,186 $124 11.7%
New Mexico $940 -$122 -11.5%
New York $1,118 $56 5.3%
North Carolina $612 -$450 -42.4%
North Dakota $870 -$192 -18.1%
Ohio $734 -$328 -30.9%
Oklahoma $1,090 $28 2.6%
Oregon $972 -$90 -8.5%
Pennsylvania $1,014 -$48 -4.5%
Rhode Island $1,416 $354 33.3%
South Carolina $962 -$100 -9.4%
South Dakota $896 -$166 -15.6%
Tennessee $930 -$132 -12.4%
Texas $1,280 $218 20.5%
Utah $786 -$276 -26.0%
Vermont $726 -$336 -31.6%
Virginia $634 -$428 -40.3%
Washington $822 -$240 -22.6%
West Virginia $972 -$90 -8.5%
Wisconsin $734 -$328 -30.9%
Wyoming $946 -$116 -10.9%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

Using high physical damage deductibles can save as much as $300 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,046 $87
Porsche Cayman S 2-Dr Coupe $1,078 $90

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 $242 $410 $474 $1,284
2012 Porsche Cayman $220 $340 $474 $1,192
2008 Porsche Cayman $194 $258 $452 $1,062
2007 Porsche Cayman $178 $246 $446 $1,028
2006 Porsche Cayman $172 $232 $442 $1,004

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

Getting lower rates on auto insurance takes having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a condensed summary of the data covered in the above illustrations.

  • Consumers who require additional liability coverage will pay an extra $500 each year to raise limits from a low limit to the 250/500 level
  • Drivers can save as much as $120 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $300 each year
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $349 a month if full coverage is purchased

Rates by Driver Age

Porsche Cayman Insurance Rates by Driver Age
Driver Age Premium
16 $4,186
20 $2,420
30 $1,086
40 $1,062
50 $972
60 $952

Full coverage, $500 deductibles

Rates by Deductible

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,258
$250 $1,168
$500 $1,062
$1,000 $960

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,062
50/100 $1,168
100/300 $1,281
250/500 $1,575
100 CSL $1,214
300 CSL $1,462
500 CSL $1,643

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Cayman Insurance Rates for High Risk Drivers
Age Premium
16 $5,908
20 $3,852
30 $2,302
40 $2,278
50 $2,176
60 $2,156

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 $141

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $54
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $66
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $72
Total Discounts $420
Rate after discounts $642

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

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