Porsche Macan Insurance Rates

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UPDATED: May 23, 2024

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The average Porsche Macan insurance rates are $165 per month or $1,984 annually. However, the faster Porche Macan S insurance costs will differ slightly due to its additional features. 

Many factors impact your car insurance rates, including the age of your vehicle. For example, a Porsche Macan 2020 model will cost slightly less for insurance than a Porsche Macan 2021 model. 

Read our comprehensive guide to answer questions like what is comprehensive coverage on a car insurance policy for such a high-end vehicle, and do you need to invest in extra coverage?

Ready to secure the lowest Porsche Macan prices for insurance? Enter your five-digit ZIP code into our FREE quote comparison tool to immediately compare rates for your Porsche Macan S.

Estimated insurance rates for a Porsche Macan are $1,758 a year for full coverage. Comprehensive insurance costs approximately $376, collision insurance costs $772, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $3,842 or more. 16-year-old drivers pay the most at up to $6,468 a year.

Average premium for full coverage: $1,758

Premium estimates by type of coverage:

Comprehensive $376
Collision $772
Liability $452

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Macan trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Porsche Macan range from as low as $504 for liability-only coverage to a much higher rate of $3,842 for high-risk insurance.

Liability Only $504
Full Coverage $1,758
High Risk $3,842

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $1,319
Small Cities $1,846
Large Cities $2,373

These rate differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below shows average Porsche Macan insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $980
  • Drivers who choose higher $1,000 deductibles will pay $260 a year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,758
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $512 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,842
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost $6,468 a year

View Chart as Image

Porsche Macan insurance cost comparison chart
Column chart showing Porsche Macan insurance prices range from $980 to $6,468 for full coverage

Insurance prices for a Porsche Macan also have a wide range based on your driving characteristics, the trim level of your Macan, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $6,400 a year. View Rates by Age

Where you choose to live makes a big difference in Porsche Macan insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Iowa, Maine, and Idaho, or at least $2,510 on average in New York, Louisiana, and Michigan.

Porsche Macan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,590 -$168 -9.6%
Alaska $1,348 -$410 -23.3%
Arizona $1,460 -$298 -17.0%
Arkansas $1,758 -$0 0.0%
California $2,004 $246 14.0%
Colorado $1,680 -$78 -4.4%
Connecticut $1,810 $52 3.0%
Delaware $1,990 $232 13.2%
Florida $2,200 $442 25.1%
Georgia $1,624 -$134 -7.6%
Hawaii $1,262 -$496 -28.2%
Idaho $1,192 -$566 -32.2%
Illinois $1,310 -$448 -25.5%
Indiana $1,324 -$434 -24.7%
Iowa $1,186 -$572 -32.5%
Kansas $1,672 -$86 -4.9%
Kentucky $2,400 $642 36.5%
Louisiana $2,604 $846 48.1%
Maine $1,084 -$674 -38.3%
Maryland $1,450 -$308 -17.5%
Massachusetts $1,408 -$350 -19.9%
Michigan $3,056 $1,298 73.8%
Minnesota $1,472 -$286 -16.3%
Mississippi $2,108 $350 19.9%
Missouri $1,560 -$198 -11.3%
Montana $1,888 $130 7.4%
Nebraska $1,386 -$372 -21.2%
Nevada $2,110 $352 20.0%
New Hampshire $1,268 -$490 -27.9%
New Jersey $1,966 $208 11.8%
New Mexico $1,558 -$200 -11.4%
New York $1,852 $94 5.3%
North Carolina $1,012 -$746 -42.4%
North Dakota $1,440 -$318 -18.1%
Ohio $1,216 -$542 -30.8%
Oklahoma $1,804 $46 2.6%
Oregon $1,612 -$146 -8.3%
Pennsylvania $1,678 -$80 -4.6%
Rhode Island $2,346 $588 33.4%
South Carolina $1,594 -$164 -9.3%
South Dakota $1,484 -$274 -15.6%
Tennessee $1,540 -$218 -12.4%
Texas $2,120 $362 20.6%
Utah $1,302 -$456 -25.9%
Vermont $1,204 -$554 -31.5%
Virginia $1,054 -$704 -40.0%
Washington $1,358 -$400 -22.8%
West Virginia $1,612 -$146 -8.3%
Wisconsin $1,216 -$542 -30.8%
Wyoming $1,568 -$190 -10.8%

View Chart as Image

Porsche Macan insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $780 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $2,100 to $2,900 extra annually, depending on your age. High-risk driver insurance can cost as much as 45% to 133% more than the average rate. View High Risk Driver Rates

Porsche Macan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Porsche Macan $464 $930 $390 $1,942
2023 Porsche Macan $444 $922 $398 $1,922
2022 Porsche Macan $430 $900 $416 $1,904
2021 Porsche Macan $414 $862 $430 $1,864
2020 Porsche Macan $392 $832 $442 $1,824
2019 Porsche Macan $376 $772 $452 $1,758
2018 Porsche Macan $362 $728 $456 $1,704
2017 Porsche Macan $346 $652 $460 $1,616
2015 Porsche Macan $312 $562 $464 $1,496

Rates are averaged for all Porsche Macan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Porsche Macan Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the material that was touched on above.

  • Policyholders who purchase higher liability limits will pay around $500 each year to go from 30/60 bodily injury limits to 250/500 limits
  • Teenagers are expensive to insure, as much as $539 per month for full coverage
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $2,080 more per year for car insurance
  • Increasing policy deductibles can save around $775 each year

We’ve discussed many factors that impact your Porsche insurance costs. Whether you’re looking for a Porsche Macan used or new, secure the cheapest insurance rates by entering your ZIP code into our FREE quote comparison tool below.

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What are the safety ratings for the Porsche Macan?

Understanding the Porsche Macan safety ratings can help you see where you qualify for discounts, and what might be costing you more money. 

Unfortunately, there are no safety ratings for this vehicle from either the Insurance Institute for Highway Safety or the National Highway Traffic and Safety Administration to help us analyze the Porsche Macan reliability.

When calculating your rates, insurance companies will also ask is the Porsche Macan expensive to maintain? Because Porsche Macan service costs are high, expect your insurance rates to also increase. 

You can invest in some Porsche Macan prepaid maintenance costs at the dealership. But if you get into an accident, your insurance company becomes responsible for the Porsche Macan maintenance costs. Because it is a high-risk investment, expect higher premiums.

How many miles can a Porsche Macan last? Like other vehicles, expect it to reach around 250,000 miles. 

Does Porsche Macan hold its value? While the luxury SUV depreciates, it is known for is high resale value. 

What’s the difference between Macan and Macan S? The Macan S has a stronger engine and more horsepower. Are Porsche Macan S reliable cars? Yes, but the Porsche Macan S service costs are higher than the less powerful model. 

Is Porsche Macan a good car for you? In the end, only you can say.

Porsche Macan Compared Against other Vehicles in the Same Class

Officially, the Insurance Institute for Highway Safety categorizes the Porsche Macan as a midsize luxury SUV. 

Comparing the Porsche Macan to similar vehicles can help you save money, especially if the Porsche Macan has a better loss ratio than other vehicles in its class.

It would be misleading to compare the 2019 Porsche Macan insurance costs to the Porsche Cayenne insurance costs because the Cayenne is a midsize car, not an SUV. 

On the other hand, the Porsche Macan Turbo and the Porsche Macan GTS are both in the same vehicle class and are therefore comparable.

Other comparable vehicles include:

The luxury SUV has substantially worse than average collision insurance loss ratios at 48 percent and worse than average comprehensive insurance loss ratios at 30 percent. This will cause your rates to be higher. 

The Porsche Macan cost to own is not cheap. If you’re wondering how much should I pay for a Porsche Macan, expect to pay above $50,000 in total. Even an older 2017 Porsche Macan cost to own is above that amount.  

You’ve completed our Porsche Macan review. Is Porsche Macan worth the money for you? If so, make sure you’re also getting the best 2020, 20201, or even 2016 Porsche Macan insurance costs by entering your ZIP code into our FREE quote comparison tool to start shopping for the best car insurance rates.

Rates by Driver Age

Porsche Macan Insurance Rates by Driver Age
Driver Age Premium
16 $6,468
20 $4,098
30 $1,846
40 $1,758
50 $1,604
60 $1,576

Full coverage, $500 deductibles

Rates by Deductible

Porsche Macan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,270
$250 $2,032
$500 $1,758
$1,000 $1,498

Full coverage, driver age 40

Rates by Liability Limit

Porsche Macan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,758
50/100 $1,848
100/300 $1,961
250/500 $2,255
100 CSL $1,894
300 CSL $2,142
500 CSL $2,323

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Macan Insurance Rates for High Risk Drivers
Age Premium
16 $9,286
20 $6,536
30 $3,938
40 $3,842
50 $3,666
60 $3,636

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $255

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $96
Multi-vehicle $94
Homeowner $25
5-yr Accident Free $139
5-yr Claim Free $117
Paid in Full/EFT $87
Advance Quote $92
Online Quote $128
Total Discounts $778
Rate after discounts $980

Discounts are estimated and may not be available from every company or in every state.

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