Estimates, not quotes

Lexus RC vs Porsche Cayman Insurance Cost

The Porsche Cayman is cheaper to insure by about $70 a year for full coverage by our estimate ($1,590 vs. $1,520), and cheaper in 44 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageLexus RCPorsche CaymanDifference
State minimum$495$365+$130
Standard (100/300/100)$720$530+$190
Full coverage$1,590$1,520+$70

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = RC minus Cayman.

Why one costs more to insure

FactorLexus RCPorsche Cayman
SegmentLuxury sports carLuxury sports car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)130147
HLDI comprehensive128—
HLDI property damage liability6327
HLDI bodily injury liability——
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)03

Collision losses are the biggest swing factor: the Porsche Cayman has 17 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

RC vs Cayman insurance by state

StateRCCaymanDifference
Alabama$1,425$1,390+$35
Alaska$1,405$1,345+$60
Arizona$1,660$1,575+$85
Arkansas$1,465$1,460+$5
California$1,590$1,535+$55
Colorado$1,840$1,805+$35
Connecticut$1,650$1,535+$115
Delaware$1,695$1,545+$150
District of Columbia$2,025$1,945+$80
Florida$2,135$1,915+$220
Georgia$1,895$1,740+$155
Hawaii$1,120$1,085+$35
Idaho$1,090$1,050+$40
Illinois$1,405$1,360+$45
Indiana$1,155$1,120+$35
Iowa$1,150$1,165−$15
Kansas$1,335$1,340−$5
Kentucky$1,335$1,270+$65
Louisiana$2,180$2,070+$110
Maine$1,040$1,010+$30
Maryland$1,760$1,655+$105
Massachusetts$1,570$1,500+$70
Michigan$1,755$1,685+$70
Minnesota$1,370$1,355+$15
Mississippi$1,560$1,530+$30
Missouri$1,475$1,445+$30
Montana$1,340$1,350−$10
Nebraska$1,335$1,345−$10
Nevada$1,715$1,535+$180
New Hampshire$1,155$1,120+$35
New Jersey$1,835$1,670+$165
New Mexico$1,450$1,405+$45
New York$2,060$1,900+$160
North Carolina$1,245$1,235+$10
North Dakota$1,100$1,135−$35
Ohio$1,160$1,130+$30
Oklahoma$1,490$1,480+$10
Oregon$1,380$1,270+$110
Pennsylvania$1,430$1,405+$25
Rhode Island$1,865$1,725+$140
South Carolina$1,650$1,535+$115
South Dakota$1,325$1,385−$60
Tennessee$1,360$1,335+$25
Texas$1,930$1,890+$40
Utah$1,400$1,295+$105
Vermont$1,090$1,085+$5
Virginia$1,370$1,315+$55
Washington$1,350$1,250+$100
West Virginia$1,385$1,375+$10
Wisconsin$1,120$1,105+$15
Wyoming$1,355$1,410−$55

By driver profile (full coverage)

DriverRCCayman
Teen driver (18, own policy)$4,380$4,180
Young adult (22)$2,550$2,430
Adult in their 30s$1,590$1,520
Adult in their 50s$1,465$1,400
Senior (72)$1,785$1,700
30s, one at-fault accident$2,310$2,205
30s, DUI on record$2,945$2,810

More comparisons

Frequently asked questions

Is the Lexus RC or the Porsche Cayman cheaper to insure?

By our estimate the Porsche Cayman is cheaper, by about $70 a year for full coverage ($1,590 vs. $1,520) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus RC and Porsche Cayman?

Mostly because of insurance-loss history: HLDI collision indices of 130 vs. 147 and comprehensive indices of 128 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page