Porsche Cayman Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Average insurance rates for a Porsche Cayman are $1,062 a year with full coverage. Comprehensive costs an estimated $194, collision insurance costs $258, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $2,278. Teens receive the highest rates at up to $4,186 a year.
Average premium for full coverage: $1,062
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Cayman trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $504 for your basic liability-only policy to a much higher rate of $2,278 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying 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 details average Porsche Cayman insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $642
- Using higher $1,000 deductibles will save approximately $102 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,062
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,258
- Drivers with serious driving violations could pay up to $2,278
- The cost that insures a teen driver with full coverage can cost as much as $4,186 or more
Auto insurance rates for a Porsche Cayman can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $1,300 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 137% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age
Where you live has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,440 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Porsche Cayman Insurance
Saving money on Porsche Cayman insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare rates every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a brief summary of the coverage data covered in the charts and tables above.
- You may be able to save approximately $120 per year just by shopping early and online
- Increasing deductibles can save approximately $300 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $349 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,220 more annually than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,258 |
| $250 | $1,168 |
| $500 | $1,062 |
| $1,000 | $960 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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