Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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The average auto insurance rates for a Porsche Cayman are $1,062 annually including full coverage. Comprehensive costs on average $194 a year, collision costs $258, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,278. Teens cost the most to insure at $4,186 a year or more.

Average premium for full coverage: $1,062

Policy rates by type of insurance:

Comprehensive $194
Collision $258
Liability $452

Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Cayman trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Porsche Cayman insurance rates go from as cheap as $504 for your basic liability-only policy to a high of $2,278 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

The examples above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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 Information

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

  • The cheapest rate after discounts is $642
  • Raising to $1,000 deductibles will save around $960 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,062
  • Selecting low $100 deductibles will cost $1,258
  • Drivers with serious driving violations could pay upwards of $2,278 or more
  • Policy cost with full coverage for a 16-year-old driver may cost $4,186

View Chart as Image

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

Insurance rates for a Porsche Cayman also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Porsche Cayman insurance prices. A middle-age driver might find rates as low as $820 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,520 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied between companies.

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 Buy Affordable Porsche Cayman Insurance

Finding cheaper rates on insurance for a Porsche Cayman consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the coverage data raised in the charts and tables above.

  • You may be able to save as much as $120 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $300 each year
  • Teens pay higher rates, with premiums being up to $349 each month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,220 more each year for Cayman insurance

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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