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 with full coverage. Comprehensive insurance costs an estimated $376, collision costs $772, and liability coverage costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing $3,842 or more. Teenage drivers receive the highest rates at $6,468 a year or more.

Average premium for full coverage: $1,758

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Macan trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Porsche Macan insurance rates for other coverage scenarios.

• The best discount rate is $980
• Drivers who choose higher $1,000 deductibles will pay approximately $260 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,758
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $512 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,842 or more
• The cost for full coverage for a teenage driver with full coverage can cost as much as $6,468 a year

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $6,400 a year. View Rates by Age

Where you live makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,370 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $780 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $2,100 to $2,900 additional per year, depending on your age. High-risk driver insurance can cost around 45% to 133% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

How to Find More Affordable Porsche Macan Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a summary of the data touched on above.

• Consumers who want more liability protection will pay an extra $500 every year to go from a minimum limit to 250/500 limits
• You may be able to save approximately $220 per year simply by shopping early and online
• Increasing deductibles can save around $775 each year
• Youthful drivers are expensive to insure, with premiums as much as $539 per month including comprehensive and collision 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.