Porsche Cayman Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 4, 2023
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Estimated insurance prices for a Porsche Cayman are $1,086 every 12 months including full coverage. Comprehensive insurance costs an estimated $198 a year, collision costs $270, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,334 or more. 16-year-old drivers pay the most at $4,282 a year or more.
Average premium for full coverage: $1,086
Premium estimates broken down by type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Cayman trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Porsche Cayman go from the cheapest price of $510 for a discount liability-only rate to a high of $2,334 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The diagram below illustrates how where you live affects insurance prices.
These rate differences highlight why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on rate 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 breaks down estimated Porsche Cayman insurance rates for other coverage scenarios.
- The best full coverage rate is $653
- Choosing higher $1,000 deductibles can save approximately $980 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,086
- Buying low $100 deductibles for comp and collision coverage costs an extra $202 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,334 or more
- An auto insurance policy to insure a 16-year-old driver can cost as much as $4,282 each year
Auto insurance prices for a Porsche Cayman also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $310 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,300 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Porsche Cayman insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,550 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Low Cost Porsche Cayman Insurance
Finding better rates on insurance for a Porsche Cayman takes having a decent driving record, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a review of the information touched on in the above illustrations.
- You may be able to save approximately $120 per year simply by quoting early and online
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $357 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $300 each year
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,250 more annually than a driver with a clean driving record
- Insureds who want additional liability coverage will pay around $510 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,196 |
| $500 | $1,086 |
| $1,000 | $980 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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