Porsche Cayman Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The average insurance rates for a Porsche Cayman are $1,086 a year for full coverage insurance. Comprehensive insurance costs an estimated $198 a year, collision insurance costs $270, and liability insurance is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,334 or more. Teen drivers cost the most to insure at up to $4,282 a year.

Average premium for full coverage: $1,086

Policy rates broken down by type of insurance:

Comprehensive $198
Collision $270
Liability $460

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cayman trim levels.

Price Range Variability

Using a middle-aged driver as an example, Porsche Cayman insurance rates range from as low as $510 for basic liability insurance to a high of $2,334 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

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

The examples above illustrate why it is important to compare rates quotes for a targeted area and risk profile, 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 illustrates average Porsche Cayman insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $653
  • Raising to $1,000 deductibles will save approximately $980 each year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,086
  • Choosing low $100 deductibles will cost an extra $202 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,334
  • Policy cost for full coverage for a teen driver can cost as much as $4,282

View Chart as Image

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

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

Older drivers with a good driving record and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,200 a year. View Rates by Age

Your home state also has a big influence on Porsche Cayman insurance rates. A middle-age driver might find rates as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,470 on average in Florida, New York, and Michigan.

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 reduce rates by up to $310 each year, while buying higher liability limits will increase premiums. Switching 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 are probably paying $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

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 2007 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 $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 Affordable Porsche Cayman Insurance

Finding cheaper rates on Porsche Cayman insurance consists of being a low-risk driver, having good credit, being claim-free, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief review of the concepts that were touched on in the above illustrations.

  • High-risk drivers with DUI or reckless driving convictions pay on average $1,250 more annually to insure their Cayman
  • Teen drivers are the costliest to insure, possibly costing $357 each month if they have full coverage
  • It is possible to save approximately $120 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $300 each year
  • It is possible to save approximately $120 per year just by quoting early and online

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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