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 $1,086 a year with full coverage. Comprehensive costs on average $198 each year, collision costs $270, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,334. Teen drivers cost the most to insure at $4,282 a year or more.

Average premium for full coverage: $1,086

Policy rates by type of insurance:

Comprehensive $198
Collision $270
Liability $460

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Cayman models.

Price Range Variability

For the average 40-year-old driver, Porsche Cayman insurance rates go from as low as $510 for minimum levels of liability insurance to a high rate of $2,334 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,086
High Risk $2,334

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

The examples above demonstrate why all drivers should get quotes based on a specific location and risk profile, instead of using 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.

Additional Rate Details

The chart below details estimated Porsche Cayman insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $653
  • Choosing higher $1,000 deductibles can save around $106 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,086
  • Choosing low deductibles for comp and collision coverage will increase the cost to $1,288
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,334 or more
  • Policy cost for full coverage for a teen driver may cost $4,282 each year

View Chart as Image

Porsche Cayman insurance cost comparison chart
Column chart showing full coverage Porsche Cayman insurance rates range from $653 to $4,282

Auto insurance rates for a Porsche Cayman also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Cayman insurance prices. A good driver about age 40 could pay 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.

Porsche Cayman Insurance Rates by State
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%

View Chart as Image

Porsche Cayman insurance rates by U.S. city

Choosing high deductibles can save as much as $310 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

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 $1,068 $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.

Porsche Cayman Insurance Rates by Model Year
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 Low Cost Porsche Cayman Insurance

Finding cheaper rates on car insurance takes being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the data that was touched on in this article.

  • You may be able to save as much as $120 per year simply by quoting online in advance
  • Policyholders who require an increased level of liability coverage will pay about $510 every year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 are charged the highest rates, as much as $357 each month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,250 more each year than a safer driver

Rates by Driver Age

Porsche Cayman Insurance 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

Porsche Cayman Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,086
$1,000 $980

Full coverage, driver age 40

Rates by Liability Limit

Porsche Cayman Insurance Rates with Different Liability Limits
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

Porsche Cayman Insurance 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.

SR-22 Surcharge $145

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
Rate after discounts $653

Discounts are estimated and may not be available from every company or in every state.

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