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 prices for a Porsche Macan are $1,758 every 12 months for full coverage insurance. Comprehensive costs on average $376, collision costs $772, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $3,842. Teens pay the most at $6,468 a year or more.

Average premium for full coverage: $1,758

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Macan trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $980
• Raising to $1,000 deductibles will save around $260 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,758
• Selecting more expensive low deductibles increases the price to $2,270
• Drivers with serious driving violations could pay upwards of $3,842 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage may cost $6,468

View Chart as Image

Auto insurance prices for a Porsche Macan also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Macan.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $780 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $6,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $2,100 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Porsche Macan insurance prices. A middle-age driver might find prices as low as $1,150 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,370 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

How to Shop for Affordable Porsche Macan Insurance

Finding better rates on insurance for a Porsche Macan consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

The next list is a brief review of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $2,080 more each year to buy Porsche Macan insurance
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $539 per month if comprehensive and collision insurance is included
• It is possible to save as much as $220 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $775 each year
• It is possible to save as much as $220 per year simply by shopping early and online

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.