Porsche Macan Insurance Rates

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.

U.S. average insurance rates for a Porsche Macan are $1,704 a year with full coverage. Comprehensive costs on average $362 each year, collision costs $728, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $3,716. Teenage drivers pay the highest rates at $6,292 a year or more.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Macan models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Porsche Macan insurance rates for different risk profiles and scenarios.

• The best discount rate is $954
• Choosing higher $1,000 deductibles can save around $248 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,704
• Using low deductibles for comp and collision coverage will increase the cost to $2,188
• Drivers who are prone to accidents and violations could pay upwards of $3,716 or more
• The price for full coverage for a teenage driver may cost $6,292 each year

View Chart as Image

Auto insurance prices for a Porsche Macan are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $6,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Macan insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,300 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $740 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $2,000 to $2,800 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 45% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

How to Find Cheaper Porsche Macan Insurance

Getting lower rates on auto insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The following list is a condensed summary of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 are charged the highest prices, costing up to $524 a month if they have full coverage
• Drivers with multiple at-fault accidents may be required to pay an average of $2,010 more each year than a safer driver
• Increasing physical damage deductibles can save around $725 each year
• You may be able to save as much as $210 per year simply by quoting online in advance

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.

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:

• Acura MDX
• Audi Q5
• Jaguar F-PACE

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.