Porsche Cayman Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance rates for a Porsche Cayman are $1,062 a year including full coverage. Comprehensive insurance costs around $194, collision insurance costs $258, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs $2,278 or more. Teens cost the most to insure at up to $4,186 a year.

Average premium for full coverage: $1,062

Policy rates for type of insurance:

Comprehensive $194
Collision $258
Liability $452

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Cayman models.

Price Range Variability

For the average driver, Porsche Cayman insurance rates range from the low end price of $504 for just liability insurance to the much higher price of $2,278 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance rates.

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

The examples above highlight why everyone should compare rates for a specific zip code, rather than using 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 Details

The chart below breaks down average Porsche Cayman insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $642
  • Drivers who choose higher $1,000 deductibles will pay about $102 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,062
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $196 each year
  • High-risk insureds with serious driving violations could pay at least $2,278
  • Policy cost that insures a teenage driver for full coverage can be $4,186 a year

View Chart as Image

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

Insurance rates for a Porsche Cayman also range considerably based on the model of your Cayman, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,300 to $1,800 extra every year, depending on your age. Porsche Cayman insurance for high-risk drivers can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,100 a year. View Rates by Age

Your home state makes a big difference in Porsche Cayman insurance rates. A 40-year-old driver could pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $300 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. 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

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the information touched on above.

  • You may be able to save up to $120 per year just by quoting online well ahead of the renewal date
  • Teenagers pay higher rates, with premiums being up to $349 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save approximately $300 each year
  • Drivers with multiple at-fault accidents may have to pay on average $1,220 more every year for car insurance
  • Consumers who may need higher liability limits will pay approximately $500 per year to go from a 30/60 limit to the 250/500 level

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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