Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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Average insurance rates for a Porsche Cayman are $1,086 a year for full coverage. Comprehensive insurance costs on average $198 a year, collision costs $270, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,334 or more. Teenage drivers receive the highest rates at $4,282 a year or more.

Average premium for full coverage: $1,086

Rate estimates by individual coverage type:

Comprehensive $198
Collision $270
Liability $460

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Cayman trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $510 for basic liability insurance to a high of $2,334 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on 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.

Rate Comparisons

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

  • The best discount rate is $653
  • Drivers who choose higher $1,000 deductibles will pay around $980 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,086
  • Using low $100 deductibles for comprehensive and collision insurance will cost an extra $202 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,334 or more
  • The cost for full coverage for a 16-year-old driver may cost $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

Car 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.

Older drivers with no driving violations and high deductibles may pay as low as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $4,200 a year. View Rates by Age

Where you live 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,550 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles could save up to $310 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. 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 extra per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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 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 $262 $440 $474 $1,334
2012 Porsche Cayman $236 $372 $478 $1,244
2008 Porsche Cayman $198 $270 $460 $1,086
2007 Porsche Cayman $194 $258 $452 $1,062
2006 Porsche Cayman $178 $246 $446 $1,028

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 Best Porsche Cayman Insurance

Saving money on insurance for a Porsche Cayman not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following is a brief recap of the concepts that were covered above.

  • Drivers considered higher risk who tend to receive serious violations will pay on average $1,250 more each year for Cayman insurance
  • Teens are expensive to insure, costing as high as $357 per month if full coverage is included
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Increasing deductibles can save around $300 each year
  • Drivers can save as much as $120 per year simply by quoting early and online

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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