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.

Estimated insurance rates for a Porsche Macan are $1,758 a year for full coverage. Comprehensive costs around $376, collision insurance costs $772, and liability insurance costs around $452. A policy with only liability insurance costs as low as $504 a year, and a high-risk policy costs around $3,842. Teens pay the most at up to $6,468 a year.

Average premium for full coverage: $1,758

Premium estimates for type of coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Macan trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows average Porsche Macan insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $980
• Using higher $1,000 deductibles will save about $260 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,758
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $2,270
• Drivers with serious driving violations could pay at least $3,842
• An auto insurance policy that insures a teen driver with full coverage can be $6,468 or more

View Chart as Image

Car insurance prices for a Porsche Macan also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $2,100 to $2,900 extra annually, depending on your age. High-risk driver insurance can be anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $6,400 a year. View Rates by Age

Where you choose to live has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see prices as low as $1,160 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,510 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $780 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Porsche Macan Insurance

Finding better rates on Porsche Macan insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.

The items below are a brief review of the information presented in the illustrations above.

• Drivers can save up to $220 per year just by shopping early and online
• Teen drivers are the costliest to insure, as much as $539 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $775 each year
• High-risk drivers with DUI or reckless driving convictions pay on average $2,080 more every year to insure their Macan
• Drivers who may need more liability coverage will pay approximately $500 each year to increase from 30/60 bodily injury limits to the 250/500 level

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.