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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The average insurance rates for a Porsche Cayman are $1,086 a year for full coverage. Comprehensive costs approximately $198, collision insurance costs $270, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,334. Teenage drivers cost the most to insure at up to $4,282 a year.
Average premium for full coverage: $1,086
Policy rates by type of insurance:
Prices include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Cayman trim levels.
Price Range Variability
For the average driver, Porsche Cayman insurance rates range from as low as $510 for the bare minimum liability coverage to a much higher rate of $2,334 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.
The examples above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying 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.
Additional Rate Information
The chart below shows average Porsche Cayman insurance rates for additional coverage and risk scenarios.
- The best discount rate is $653
- Using higher $1,000 deductibles will save $106 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,086
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,288
- Drivers who are prone to accidents and violations could pay around $2,334
- Policy cost for full coverage for a teen driver with full coverage can cost $4,282 or more
Car insurance rates for a Porsche Cayman also range considerably based on your risk profile, the trim level of your Cayman, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,200 a year. View Rates by Age
Your home state has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see rates as low as $720 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,550 on average in New York, Louisiana, 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% |
Using high physical damage deductibles could cut rates by as much as $310 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
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 Find the Right Porsche Cayman Insurance
Finding cheaper rates on Porsche Cayman insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a quick rundown of the primary concepts that were touched on above.
- Drivers can save around $120 per year just by shopping early and online
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,250 more per year to buy Porsche Cayman insurance
- Increasing comprehensive and collision deductibles can save around $300 each year
- Drivers age 20 and younger pay the highest auto insurance rates, costing up to $357 each month if full coverage is included
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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