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 insurance prices for a Porsche Macan are $1,758 every 12 months with full coverage. Comprehensive costs on average $376 each year, collision insurance costs $772, and liability insurance costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $3,842. 16-year-old drivers pay the highest rates at up to $6,468 a year.

Average premium for full coverage: $1,758

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Macan models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

The chart below details 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 annually
• The average price for the average middle-age driver with $500 deductibles is $1,758
• Buying low deductibles for comprehensive and collision insurance increases the price to $2,270
• High risk drivers with multiple tickets or accidents could pay upwards of $3,842
• The price to insure a teen driver may cost $6,468 a year

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Macan.

Opting for high physical damage deductibles could save up to $780 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $2,100 to $2,900 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates

The state you live in 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 New Hampshire, Ohio, and Utah, or at least $2,370 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Porsche Macan Insurance

Getting lower rates on Porsche Macan insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the information touched on above.

• You may be able to save as much as $220 per year just by quoting online in advance
• Drivers age 16 to 20 pay higher prices, costing up to $539 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $775 each year
• High-risk drivers who tend to receive serious violations may pay on average $2,080 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay around $500 every year to go from a low 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.