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.

The average insurance prices for a Porsche Macan are $1,758 every 12 months including full coverage. Comprehensive costs on average $376, collision insurance costs $772, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $3,842. 16-year-old drivers cost the most to insure at up to $6,468 a year.

Average premium for full coverage: $1,758

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Porsche Macan insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $980
• Drivers who choose higher $1,000 deductibles will pay around $260 every year
• The average price for a good driver age 40 with $500 deductibles is $1,758
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $2,270
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,842
• Policy cost to insure a teenage driver with full coverage may cost $6,468 a year

View Chart as Image

Insurance rates for a Porsche Macan also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Macan.

Opting for high physical damage deductibles could save up to $780 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $2,100 to $2,900 additional every year, depending on your age. High-risk driver insurance can cost around 45% to 133% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,350 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,510 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Affordable Porsche Macan Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the information illustrated above.

• You may be able to save as much as $220 per year just by shopping early and online
• Drivers under the age of 20 pay higher rates, with premiums being up to $539 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $775 each year
• Drivers with DUI or reckless driving convictions may pay on average $2,080 more each year to insure a Porsche Macan
• Consumers who require increased liability limits will pay around $500 per year to go from a 30/60 limit to a 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.