Porsche Cayman Insurance Cost

Insurance premiums for a Porsche Cayman average $186 monthly for full coverage and $96 for minimum coverage. Depending on the trim and model year, costs can range from $74 to $300 monthly.

Looking for another Porsche model? Read more about the cost of Porsche car insurance models.

Your Porsche Cayman's monthly insurance premiums can range from $78 for older models to $324 for the newest ones. Like other vehicles, newer Caymans cost more to insure because their fair market value is higher.

Insurance costs for a Porsche Cayman depend on model year and company. Full coverage ranges from $131 a month with Travelers to $298 with AIG, while minimum coverage spans $69 with GEICO to $145 with Farmers.

Porsche Cayman owners should shop among insurers since minimum coverage varies by over $131 and full coverage by over $326. Each company calculates risk differently for the Cayman, which affects your final quote.

Sports cars like the Porsche Cayman require comparison to similar vehicles to determine insurance costs. MoneyGeek's analysis of 115 sports cars ranks the Cayman 17th for affordability, with 16 cheaper options available. It costs a few dollars more per month than a Scion FR-S but runs slightly cheaper than a Cadillac XLR, placing it in the lower-middle range among performance vehicles.

That's decent positioning within sports cars, but the category itself pushes insurance costs higher. The Cayman ranks 445th out of 827 total vehicles, putting it among the upper half for insurance expenses. The Mazda MX-5 Miata has the most affordable sports car spot, while the Rolls Royce La Rose Noire has the highest premiums in the category.

A few factors affect what you'll pay for Porsche Cayman insurance:

• Average repair or replacement costs: The Cayman ranks as Porsche's second most affordable model to maintain, with repair costs averaging $1,647 annually. This relatively moderate expense helps keep insurance premiums lower than other Porsche models.
• Vehicle trim, features and accessories: Performance capabilities vary across Cayman trims, with horsepower ranging from 275 to 420 hp. High-performance variants like the GT4 and GTS carry higher premiums due to increased repair costs and accident risk from extreme power output.
• Driver profile: Most Cayman owners fall into the 40–50 age range with higher incomes, which reduces rates. The vehicle's performance reputation does attract risk-taking driving behaviors that concern insurers. Read more about the costs of Porsche Caymans for young drivers.

Full coverage car insurance for a 35- to 55-year-old driver with a 2016 Porsche Cayman costs an average of $230 per month compared to just $174 for a 2006 model. This $56 monthly gap shows how newer models tend to cost more to insure than older ones. Teen drivers and those in their early twenties will pay higher rates to insure a Porsche Cayman regardless of model year.

Compare insurers to reduce costs on Cayman coverage. Travelers offers the cheapest rates across all model years and could save some drivers hundreds of dollars per month compared to the average rate.

Recent model years: 

• 2016 Porsche Cayman Insurance Rates
• 2015 Porsche Cayman Insurance Rates
• 2014 Porsche Cayman Insurance Rates
• 2012 Porsche Cayman Insurance Rates
• 2011 Porsche Cayman Insurance Rates

Insurance costs for your Porsche Cayman vary widely by trim, from $75 a month for minimum coverage on basic Coupe 2d models to $300 for full coverage on high-performance R Coupe 2d variants. Performance features, rarity and market value determine where each trim falls in this range.

Car insurance for a Porsche Cayman costs anywhere from $46 monthly in Wyoming to $194 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the sports car itself.

We've compiled proven strategies to help you find better rates on Porsche Cayman insurance:

Porsche Cayman insurance runs about average compared to other vehicles, and competitive rates are available with some effort. Shopping among multiple insurers and applying available discounts can bring down costs on your sports car.

We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Porsche Cayman insurance costs.

Who We Based These Rates On

These Porsche Cayman prices reflect what a typical driver pays:

• Age 40, unmarried male
• Clean record: no tickets or crashes
• Credit score in a good range
• Has never made an insurance claim
• Puts about 12,000 miles on the odometer yearly
• Has a valid driver's license with no suspensions on record

Coverage Definitions

• Minimum coverage: State-required liability limits
• Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles