Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Porsche Cayman are $1,104 a year with full coverage. Comprehensive insurance costs approximately $200 a year, collision insurance costs $278, and liability coverage costs around $468. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs $2,378 or more. Teenage drivers pay the highest rates at up to $4,354 a year.
Average premium for full coverage: $1,104
Price estimates by individual coverage:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Cayman trim levels.
Price Range from Low to High
For a driver in their 40's, Porsche Cayman insurance prices range from the low end price of $518 for liability-only coverage to a high of $2,378 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why it is important to compare prices using their specific location, rather than using 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 Charts and Tables
The chart below details average Porsche Cayman insurance rates for additional coverage and risk scenarios.
- The best discount rate is $661
- Using higher $1,000 deductibles will save $994 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,104
- Using low $100 deductibles for physical damage coverage will cost an additional $206 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,378
- The price that insures a teenage driver can cost $4,354 or more
Auto insurance prices for a Porsche Cayman are also quite variable based on the trim level of your Cayman, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,300 to $1,800 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 41% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,300 a year. View Rates by Age
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 $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,490 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,000 | -$104 | -9.4% |
| Alaska | $848 | -$256 | -23.2% |
| Arizona | $916 | -$188 | -17.0% |
| Arkansas | $1,104 | -$0 | 0.0% |
| California | $1,258 | $154 | 13.9% |
| Colorado | $1,056 | -$48 | -4.3% |
| Connecticut | $1,136 | $32 | 2.9% |
| Delaware | $1,250 | $146 | 13.2% |
| Florida | $1,382 | $278 | 25.2% |
| Georgia | $1,020 | -$84 | -7.6% |
| Hawaii | $792 | -$312 | -28.3% |
| Idaho | $748 | -$356 | -32.2% |
| Illinois | $824 | -$280 | -25.4% |
| Indiana | $832 | -$272 | -24.6% |
| Iowa | $746 | -$358 | -32.4% |
| Kansas | $1,052 | -$52 | -4.7% |
| Kentucky | $1,508 | $404 | 36.6% |
| Louisiana | $1,636 | $532 | 48.2% |
| Maine | $682 | -$422 | -38.2% |
| Maryland | $910 | -$194 | -17.6% |
| Massachusetts | $884 | -$220 | -19.9% |
| Michigan | $1,920 | $816 | 73.9% |
| Minnesota | $924 | -$180 | -16.3% |
| Mississippi | $1,324 | $220 | 19.9% |
| Missouri | $980 | -$124 | -11.2% |
| Montana | $1,188 | $84 | 7.6% |
| Nebraska | $872 | -$232 | -21.0% |
| Nevada | $1,324 | $220 | 19.9% |
| New Hampshire | $796 | -$308 | -27.9% |
| New Jersey | $1,236 | $132 | 12.0% |
| New Mexico | $980 | -$124 | -11.2% |
| New York | $1,166 | $62 | 5.6% |
| North Carolina | $638 | -$466 | -42.2% |
| North Dakota | $904 | -$200 | -18.1% |
| Ohio | $764 | -$340 | -30.8% |
| Oklahoma | $1,134 | $30 | 2.7% |
| Oregon | $1,012 | -$92 | -8.3% |
| Pennsylvania | $1,054 | -$50 | -4.5% |
| Rhode Island | $1,476 | $372 | 33.7% |
| South Carolina | $1,000 | -$104 | -9.4% |
| South Dakota | $934 | -$170 | -15.4% |
| Tennessee | $968 | -$136 | -12.3% |
| Texas | $1,332 | $228 | 20.7% |
| Utah | $816 | -$288 | -26.1% |
| Vermont | $758 | -$346 | -31.3% |
| Virginia | $662 | -$442 | -40.0% |
| Washington | $854 | -$250 | -22.6% |
| West Virginia | $1,012 | -$92 | -8.3% |
| Wisconsin | $764 | -$340 | -30.8% |
| Wyoming | $984 | -$120 | -10.9% |
Using high physical damage deductibles could cut prices by as much as $320 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $421 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 | $1,086 | $91 |
| Porsche Cayman S 2-Dr Coupe | $1,122 | $94 |
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 | $268 | $472 | $464 | $1,362 |
| 2012 Porsche Cayman | $242 | $410 | $474 | $1,284 |
| 2008 Porsche Cayman | $200 | $278 | $468 | $1,104 |
| 2007 Porsche Cayman | $198 | $270 | $460 | $1,086 |
| 2006 Porsche Cayman | $194 | $258 | $452 | $1,062 |
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 More Affordable Porsche Cayman Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.
Below is a summary of the information covered in the charts and tables above.
- You may be able to save around $130 per year just by quoting early and online
- Teenage drivers have the highest car insurance prices, costing up to $363 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $325 each year
- Drivers who have multiple accidents or major violations may have to pay on average $1,270 more per year for auto insurance
- Consumers who purchase higher levels of liability will pay an extra $520 every year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,354 |
| 20 | $2,522 |
| 30 | $1,132 |
| 40 | $1,104 |
| 50 | $1,012 |
| 60 | $992 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,216 |
| $500 | $1,104 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,104 |
| 50/100 | $1,216 |
| 100/300 | $1,333 |
| 250/500 | $1,637 |
| 100 CSL | $1,262 |
| 300 CSL | $1,520 |
| 500 CSL | $1,707 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,148 |
| 20 | $4,020 |
| 30 | $2,404 |
| 40 | $2,378 |
| 50 | $2,270 |
| 60 | $2,246 |
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 | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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