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 auto insurance rates for a Porsche Macan are $1,758 annually including full coverage. Comprehensive costs an estimated $376 a year, collision insurance costs $772, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $3,842. Teenage drivers pay the highest rates at up to $6,468 a year.

Average premium for full coverage: $1,758

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Macan trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average Porsche Macan insurance rates for other coverage scenarios.

• The best discount rate is $980
• Drivers who choose higher $1,000 deductibles will pay approximately $1,498 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,758
• Using low $100 deductibles for comprehensive and collision insurance will cost $2,270
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,842
• The price with full coverage for a teen driver can cost as much as $6,468 a year

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $6,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $2,100 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $780 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Porsche Macan insurance prices. A 40-year-old driver could pay as low as $1,350 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,510 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Porsche Macan Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save approximately $220 per year just by quoting early and online
• Policyholders who want higher levels of liability will pay an extra $500 per year to go from a low limit to higher 250/500 limits
• Teenage drivers are charged the highest prices, possibly costing $539 a month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $2,080 more annually for auto insurance

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.