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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U.S. average insurance prices for a Porsche Cayman are $1,086 every 12 months with full coverage. Comprehensive costs on average $198, collision insurance costs $270, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,334. Teen drivers pay the highest rates at up to $4,282 a year.
Average premium for full coverage: $1,086
Price estimates by individual coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Cayman models.
Price Range from Low to High
For the normal driver, Porsche Cayman insurance prices range from the cheapest price of $510 for basic liability insurance to the much higher price of $2,334 for a high-risk insurance policy.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than relying on price 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.
Rate Comparisons
The chart below details average Porsche Cayman insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $653
- Using higher $1,000 deductibles will save around $106 annually
- The average price for the average middle-age driver with $500 deductibles is $1,086
- Choosing pricier low deductibles for physical damage coverage increases the price to $1,288
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,334
- The price to insure a teen driver for full coverage may cost $4,282 or more
Auto insurance prices for a Porsche Cayman are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Cayman.
Choosing high deductibles could cut prices by as much as $310 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $4,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,300 to $1,800 in extra premium each year, depending on your age. Porsche Cayman insurance for high-risk drivers can be anywhere from 42% to 133% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see prices as low as $780 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,470 on average in Florida, Michigan, and New York.
| 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% |
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 the Right Porsche Cayman Insurance
Getting lower rates on Porsche Cayman insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a quick rundown of the car insurance concepts presented in the illustrations above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,250 more each year to buy Porsche Cayman insurance
- You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $300 each year
- Drivers who require increased levels of liability coverage will pay about $510 every year to increase from a low limit 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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