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.

Average insurance rates for a Porsche Macan are $1,758 a year for full coverage insurance. Comprehensive insurance costs on average $376, collision insurance costs $772, and liability coverage is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,842 or more. Teen drivers receive the highest rates at up to $6,468 a year.

Average premium for full coverage: $1,758

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Macan trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $980
• Raising to $1,000 deductibles will save around $260 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,758
• Choosing more expensive low deductibles will cost an extra $512 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,842
• The cost for full coverage for a teenage driver with full coverage may cost $6,468

View Chart as Image

Auto insurance rates for a Porsche Macan can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $6,400 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can reduce rates by up to $780 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,100 to $2,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 133% more than average. View High Risk Driver Rates

How to Find the Best Cheap Porsche Macan Insurance

Saving money on auto insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a quick review of the primary concepts that were touched on in the above illustrations.

• It is possible to save as much as $220 per year just by shopping early and online
• Drivers with a DUI or reckless driving violation pay an average of $2,080 more each year to insure a Porsche Macan
• Increasing deductibles can save around $775 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $539 per month if they have full coverage

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.