How much is car insurance for a Porsche Cayman?
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UPDATED: Jul 23, 2019
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If you’re a sports car enthusiast interested in buying and insuring a Porsche Cayman, read on to learn more about the car Motor Trend called “very simply the best sports car in the world.”
We’ll consider what the reviewers have to say, as well as design attributes, safety features, and other factors that influence the cost of insuring a Porsche Cayman.
You can then enter your zip code in the box to begin comparing insurance rates.
More of a Good Thing
When Porsche introduced its wildly successful Boxster convertible in 1997, drivers started asking for a hardtop version that would be more rigid, lighter, and an even better performer, as Edmunds.com notes in a review of the Cayman.
When Porsche finally answered the call by introducing the Cayman in 2006, it retained the Boxster’s signature mid-engine layout, placing the engine just behind the passenger seats.
Because an engine is a car’s heaviest component, its placement in the center area of the car, between front and rear axles, optimizes weight distribution and traction.
Reviewers emphasize that, like the Boxster, the Cayman is thus a precision vehicle unsurpassed in handling, cornering and overall driving control. For 2011, the Cayman once again shares top billing on the US News Best Luxury Sports Car list with the Boxster and the Chevrolet Corvette.
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Reviews and Comparisons
In addition to greater stability, the Cayman boasts slightly more horsepower and a higher sticker price than the Boxster. For example, the 2011 Boxster starts at $47,600, whereas the Cayman’s MSRP begins at $51,900.
This price can far surpass $60,000 with the addition of numerous options such as upgraded seats, high-end audio, navigation, automatic transmission and actively managed suspension. Reviewers were pleased with the Cayman’s interior legroom and finishing, as well as the generous front and rear storage compartments.
In its 2008 review, US News noted that, with an enclosed cabin sitting just over the engine, drivers can expect to experience noticeable sound and vibration. However, reviewers generally felt that engine noise within the cabin was appropriately resonant for a sports car rather than objectionable.
Reviewers reserve their strongest accolades for the Cayman’s performance capabilities. The added rigidity of the hardtop design provides even more stability to all driving conditions when compared with a Boxster.
Edmunds asserts that the Cayman could easily handle more power, but speculates that Porsche has held back so as not to detract from its flagship 911 rear-engine sports cars, whose performance the Cayman comes surprisingly close to emulating already.
The Chevrolet Corvette, another top pick, has more horsepower and faster acceleration than the Cayman, but, at a lower price point, places less emphasis on luxury and overall road-handling precision.
Transmission, Suspension and Engine Options
Porsche offers a standard six-speed manual transmission or an optional upgrade to the seven-speed Porsche Doppelkupplung (PDK) double clutch automatic transmission. If you’re in the market for a Cayman or other Porsche, you’ll want to decide which of these transmissions is right for you.
While reviewers love Porsche’s transmission performance in general, some are especially partial to the seven-speed double clutch, which has an automatic mode as well as the option for manual shifting on the steering wheel.
Why double clutch? The gearbox is actually two half-gearboxes synchronized to overlap gear change actions so they feel almost seamless. The result is efficient and intuitive shifting with virtually no loss of power.
Some reviewers also draw attention to Porsche’s optional PASM active suspension management system. This option features two-range adaptive damping, normal and sport, for an even more finely-honed driving experience. As with all decisions, these choices are a matter of individual preferences and budget considerations.
For 2011, the Cayman is available in its two well-known versions plus an upcoming third model: the base Cayman, with a 265-horsepower engine starting at $51,900, the Cayman S, 360-horsepower upgrade starting at $62,100, and the new Cayman R, which will sport a 330-horsepower engine and the pared-down purist design attributes of the Boxster Spyder.
Starting at $66,300, the Cayman R will come without standard air conditioning or other normal accessories that would add weight and detract from the pure experience of driving.
Safety Features and Considerations
The National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety do not routinely perform crash tests on the Porsche Cayman. These two major safety agencies normally focus on mainstream transportation such as minivans, SUVs, and sedans.
While sports cars such as the Cayman are assumed to pose greater risk as a matter of course, some safety characteristics are nonetheless inherent in the unsurpassed weight distribution, traction, cornering and overall handling ability of the Cayman.
Sports car enthusiasts tend to equate the surefooted mid-engine placement not only with performance but with the safety and security of topnotch driving control. The mid-engine location also creates another crush zone at the front of the car for head-on crashes.
In addition to theses considerations, the Cayman comes with standard and optional safety features including stability management control, pad-wear sensors for brake pads, airbags and a reinforced bodyshell system designed to preserve the integrity of the passenger area.
Insuring the Porsche Cayman
Despite such safety attributes, the Cayman remains a high-risk vehicle for insurance purposes. The national average cost to insure the base model approaches $2000, while the Cayman S is slightly more. These averages can vary widely according to state, from under $1300 in Vermont to nearly $3500 in Montana.
Other considerations affecting the rate you ultimately pay include the town you live in, driver age and driving record, multiple-policy discounts, credit history and annual mileage.
Because so many variables are involved, comparing rates from different insurance companies is your best way to get a good deal on insuring a Porsche Cayman.