Porsche Cayman Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Porsche Cayman are $1,104 every 12 months including full coverage. Comprehensive costs on average $200 each year, collision costs $278, and liability coverage costs around $468. A liability-only policy costs as low as $518 a year, with high-risk insurance costing around $2,378. Teens pay the most at $4,354 a year or more.
Average premium for full coverage: $1,104
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Cayman models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Porsche Cayman go from the cheapest price of $518 for your basic liability-only policy to a high rate of $2,378 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
These rate differences highlight why all drivers should compare prices based on a specific location and their own driving history, 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 Information
The chart below breaks down estimated Porsche Cayman insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $661
- Using higher $1,000 deductibles will save around $110 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,104
- Selecting low deductibles for physical damage coverage increases the price to $1,310
- Higher-risk drivers with serious driving violations could pay upwards of $2,378 or more
- An auto insurance policy to insure a teenage driver may cost $4,354 or more
Auto insurance prices for a Porsche Cayman also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Cayman.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $421 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 41% to 131% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Porsche Cayman insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,580 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially different.
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 Shop for the Best Porsche Cayman Insurance
Finding better rates on auto insurance requires being safe and accident-free, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates at least every other year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a brief recap of the car insurance concepts touched on in this article.
- Drivers who tend to receive serious violations may pay on average $1,270 more each year than a low-risk driver
- You may be able to save as much as $130 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $325 each year
- Consumers who require more liability protection will pay approximately $520 per year to increase from 30/60 bodily injury limits to a 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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