Porsche Cayman vs Jaguar F-Type Insurance Cost
The Porsche Cayman is cheaper to insure by about $460 a year for full coverage by our estimate ($1,520 vs. $1,980), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Porsche Cayman | Jaguar F-Type | Difference |
|---|---|---|---|
| State minimum | $365 | $665 | −$300 |
| Standard (100/300/100) | $530 | $960 | −$430 |
| Full coverage | $1,520 | $1,980 | −$460 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cayman minus F-Type.
Why one costs more to insure
| Factor | Porsche Cayman | Jaguar F-Type |
|---|---|---|
| Segment | Luxury sports car | Luxury sports car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 147 | 170 |
| HLDI comprehensive | — | — |
| HLDI property damage liability | 27 | — |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 2 |
Collision losses are the biggest swing factor: the Jaguar F-Type has 23 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Cayman vs F-Type insurance by state
By driver profile (full coverage)
| Driver | Cayman | F-Type |
|---|---|---|
| Teen driver (18, own policy) | $4,180 | $5,450 |
| Young adult (22) | $2,430 | $3,170 |
| Adult in their 30s | $1,520 | $1,980 |
| Adult in their 50s | $1,400 | $1,825 |
| Senior (72) | $1,700 | $2,220 |
| 30s, one at-fault accident | $2,205 | $2,875 |
| 30s, DUI on record | $2,810 | $3,665 |
More comparisons
Frequently asked questions
Is the Porsche Cayman or the Jaguar F-Type cheaper to insure?
By our estimate the Porsche Cayman is cheaper, by about $460 a year for full coverage ($1,520 vs. $1,980) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Porsche Cayman and Jaguar F-Type?
Mostly because of insurance-loss history: HLDI collision indices of 147 vs. 170 and comprehensive indices of n/a 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.