{"id":407242,"date":"2022-02-01T19:58:20","date_gmt":"2022-02-01T19:58:20","guid":{"rendered":"https:\/\/www.supercars.net\/blog\/?p=407242"},"modified":"2024-12-20T16:31:03","modified_gmt":"2024-12-20T16:31:03","slug":"what-does-it-cost-to-insure-a-2021-porsche-cayman-gts-in-america","status":"publish","type":"post","link":"https:\/\/www.supercars.net\/blog\/what-does-it-cost-to-insure-a-2021-porsche-cayman-gts-in-america\/","title":{"rendered":"What Does it Cost to Insure a 2021 Porsche Cayman GTS in America?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When choosing auto insurance, the model is one element that defines the price depending on the type of vehicle, its performance, and the level of safety it offers. These criteria are what insurers consider when assessing <\/span><a href=\"https:\/\/www.stuttcars.com\/porsche-models\/718\/982\/\"><span style=\"font-weight: 400;\">Porsche Cayman GTS<\/span><\/a><span style=\"font-weight: 400;\"> insurance price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many online insurance comparison platforms allow you to get the most accurate rates and coverage of the best insurers based on your Porsche&#8217;s specifications. In addition, all available variants of the Cayman GTS are included so you can get the most adequate and often affordable auto insurance for your Porsche.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, insurance rates for the <\/span><a href=\"https:\/\/www.supercars.net\/blog\/2021-porsche-718-cayman-gt4-rs-spied-testing\/\"><span style=\"font-weight: 400;\">2021 Porsche Cayman<\/span><\/a> <span style=\"font-weight: 400;\">GTS<\/span><span style=\"font-weight: 400;\"> are more than the average grocery-getter, partly due to the high price tag. Still, fortunately, the 2022 Porsche 718 is one of the cheaper sports cars to insure. Additionally, good drivers can save money on their policy by remaining claim-free and being safe and courteous on the road. So, let&#8217;s look at what it costs to insure a 2021 Porsche Cayman GTS in America.<\/span><\/p>\n<h2><b>What is the Porsche 718 Cayman GTS?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To begin understanding how auto insurance for a 2021 Porsche Cayman GTS is calculated and how it works, we must first learn more about this German luxury sports car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Decades ago, the 911 was Porsche&#8217;s lone representative in the sports cars world. However, the roster of the Stuttgart firm has been consolidated over the years. As a result, <a href=\"https:\/\/www.supercars.net\/blog\/all-brands\/porsche\/current-porsche-models\/\">their current lineup<\/a> includes access models as attractive as the current 718 Boxster and the 718 Cayman variants, including the Cayman GTS. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The first Boxster debuted in 1996 and marked the beginning of a new era for Porsche. With its water-cooled engine, this convertible was intended to pay homage to the <\/span><a href=\"https:\/\/www.stuttcars.com\/porsche-models\/356\/\"><span style=\"font-weight: 400;\">classic 356 Roadster<\/span><\/a><span style=\"font-weight: 400;\"> of the 1960s. But instead, the Boxster became an excellent platform for future Porsche models. Consequently, the Boxster grew in size and capabilities, leading to its fixed-roof version (the Cayman) in 2006. Today, the Cayman nameplate offers an assortment of powerful variants like the Cayman GTS.\u00a0<\/span><\/p>\n<figure id=\"attachment_407248\" aria-describedby=\"caption-attachment-407248\" style=\"width: 1600px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2.jpg\"><img decoding=\"async\" class=\"size-full wp-image-407248\" src=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2.jpg\" alt=\"Silver Porsche 718 Cayman GTS with mountain background\" width=\"1600\" height=\"842\" srcset=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2.jpg 1600w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-300x158.jpg 300w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-1024x539.jpg 1024w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-100x53.jpg 100w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-770x405.jpg 770w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-1536x808.jpg 1536w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-293x154.jpg 293w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-2-1400x737.jpg 1400w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/a><figcaption id=\"caption-attachment-407248\" class=\"wp-caption-text\">via Forbes<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">The heart of the 2021 Cayman GTS is a naturally aspirated 4.0-liter flat-six engine that pumps out 394 horsepower and 306 lb-ft. of torque. However, the lackluster active safety suite on the Cayman GTS can be a negative factor when calculating auto insurance premiums and rates, as we will describe later.<\/span><\/p>\n<h2><b>What influences insurance premiums?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before we get into auto insurance rates, let&#8217;s go over some of the factors that car insurance companies generally consider to determine your policy price. Of course, not all carriers rely on the same parameters to calculate their rates, but the most common across different companies include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your driving record<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much you use your car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your location<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your gender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The car you drive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your credit history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The type and amount of auto insurance coverage<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Auto insurance for luxury sports cars like a 2021 Porsche Cayman GTS is typically higher than other cars due to increased parts and repair expenses. So, you need to be diligent when getting car insurance that offers the best coverage for this model.<\/span><\/p>\n<figure id=\"attachment_407251\" aria-describedby=\"caption-attachment-407251\" style=\"width: 1600px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS.jpg\"><img decoding=\"async\" class=\"size-full wp-image-407251\" src=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS.jpg\" alt=\"Red Porsche 718 Cayman GTS wrecked in N\u00fcrburgring\" width=\"1600\" height=\"842\" srcset=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS.jpg 1600w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-300x158.jpg 300w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-1024x539.jpg 1024w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-100x53.jpg 100w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-770x405.jpg 770w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-1536x808.jpg 1536w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-293x154.jpg 293w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Wrecked-Porsche-Cayman-GTS-1400x737.jpg 1400w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/a><figcaption id=\"caption-attachment-407251\" class=\"wp-caption-text\">via Motor 1<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Still, not all insurance carriers offer insurance for exotic cars as they consider these vehicles high-risk. This situation makes it difficult for prospective Porsche owners to protect their investments. Therefore, the experts recommend determining whether you can secure proper auto insurance coverage for your Cayman before you even consider buying it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The estimated costs of fixing even a minor fender bender on a Cayman GTS make insurers charge higher premiums. Not to mention repairing or rebuilding a wrecked Porsche. This is the reason why it&#8217;s not rare to see salvaged exotic cars with sometimes mild damage.<\/span><\/p>\n<h2><b>What does a 2021 Porsche 718 Cayman GTS cost to insure in America?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Luxury sports cars&#8217; substantial price tag is also reflected in their auto insurance costs. Porsches are the perfect example of this. For instance, the price tag on a certified Porsche Cayenne S is over $100,000. And\u00a0<\/span><a href=\"https:\/\/www.kbb.com\/porsche\/718-cayman\/2021\/gts-40\/?category=coupe&amp;intent=buy-new&amp;mileage=0&amp;options=9806744%7Ctrue&amp;vehicleid=451184\"><span style=\"font-weight: 400;\">according to the Kelley Blue Book<\/span><\/a><span style=\"font-weight: 400;\">, a used entry-level 2021 Cayman GTS is approximately $84,000<\/span><span style=\"font-weight: 400;\">. These high price tags are one of the main reasons Porsche models carry costly insurance premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some car insurance companies indicate that a 2021 Porsche 718 Cayman GTS costs an average of $1,812 per year or around $151 per month. These are below-average rates considering the average sports car costs $2,115 a year to insure. In fact, the Porsche 718 is one of the cheaper sports cars to insure, costing $87 less per year on average than the rest of the vehicles in the segment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When comparing car insurance costs for a 2021 Cayman GTS, it would help look at other sports cars to grasp the car insurance market. According to this chart from Expert Insurance, here&#8217;s how the Porsche Cayman GTS compares to other sports cars:\u00a0 \u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-407250\" src=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart.jpg\" alt=\"Insurance chart comparing rates\" width=\"656\" height=\"464\" srcset=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart.jpg 656w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart-300x212.jpg 300w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart-100x71.jpg 100w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/Insurance-chart-293x207.jpg 293w\" sizes=\"(max-width: 656px) 100vw, 656px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Find\u00a0<\/span><a href=\"https:\/\/www.allstate.com\/auto-insurance.aspx\"><span style=\"font-weight: 400;\">auto insurance quotes from Allstate<\/span><\/a><span style=\"font-weight: 400;\">\u00a0with coverage options, discounts, and more for a 2021 Porsche Cayman GTS.<\/span><\/p>\n<h2><b>How can you lower your premium?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Considering insurance rates is essential for owning a 2021 Porsche Cayman GTS. The good news is that there are\u00a0<\/span><a href=\"https:\/\/www.autotrader.com\/car-shopping\/7-tips-for-lowering-your-auto-insurance-premium\"><span style=\"font-weight: 400;\">tips for lowering your auto insurance premium.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">First, you can start by shopping around. This means taking enough time to compare insurance prices from different companies as they vary significantly across carriers. This way, you can ensure you&#8217;re getting the best coverage for your Porsche at the best price by doing some research.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another piece of advice is to increase your deductible. This can help you lower your monthly payments substantially. However, there&#8217;s one downside to this: you&#8217;ll have to pay more out of pocket if you file a claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, some safety features that typically help you qualify for a discount include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adaptive cruise control<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Airbags<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-lock brakes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Backup camera<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blind-spot monitoring<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Brake assist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision migration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electronic stability control<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Front and rear parking sensors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seatbelt pretensioners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stability management<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tire pressure warning<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_407249\" aria-describedby=\"caption-attachment-407249\" style=\"width: 1600px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear.jpg\"><img decoding=\"async\" class=\"size-full wp-image-407249\" src=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear.jpg\" alt=\"Rear end of a white Porsche 718 Cayman GTS on a track\" width=\"1600\" height=\"842\" srcset=\"https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear.jpg 1600w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-300x158.jpg 300w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-1024x539.jpg 1024w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-100x53.jpg 100w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-770x405.jpg 770w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-1536x808.jpg 1536w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-293x154.jpg 293w, https:\/\/www.supercars.net\/blog\/wp-content\/uploads\/2022\/02\/2021-Porsche-718-Cayman-GTS-rear-1400x737.jpg 1400w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/a><figcaption id=\"caption-attachment-407249\" class=\"wp-caption-text\">via Youtube<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Compared to other top-selling luxury sports cars on the market, the Porsche Cayman GTS has below-average car insurance rates. So, if you shop around for the best rates and maintain good driving and credit records, you can get insurance for your Porsche Cayman GTS that suits your needs and your pocket.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When choosing auto insurance, the model is one element that defines the price depending on the type of vehicle, its performance, and the level of safety it offers. These criteria are what insurers consider when assessing Porsche Cayman GTS insurance price. Many online insurance comparison platforms allow you to get the most accurate rates and coverage of the best insurers based on your Porsche&#8217;s specifications. In addition, all available variants of the Cayman GTS are included so you can get [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":407247,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263,7143,16906,258],"tags":[17152,89,16757,22719],"class_list":["post-407242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-culture","category-misc","category-porsche","category-tips-advice","tag-car-culture","tag-porsche","tag-boxster-cayman","tag-porsche-cayman"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Does it Cost to Insure a 2021 Porsche Cayman GTS in America?<\/title>\n<meta name=\"description\" content=\"The Porsche Cayman GTS is a true driver&#039;s car but how much does it cost to insure? 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