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 rates for a Porsche Macan are $1,704 a year for full coverage insurance. Comprehensive costs on average $362, collision insurance costs $728, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,716. 16-year-old drivers pay the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $954
• Using higher $1,000 deductibles will save around $248 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,704
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $2,188
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,716
• The price for full coverage for a 16-year-old driver with full coverage may cost $6,292 or more

View Chart as Image

Auto insurance prices for a Porsche Macan are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,200 a year. View Rates by Age

The state you live in has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,300 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $740 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,800 in extra premium each year, depending on your age. High-risk driver insurance can be from 45% to 131% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Porsche Macan Insurance

Getting lower rates on insurance for a Porsche Macan requires not taking risks behind the wheel, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a quick review of the ideas that were raised in the charts and tables above.

• Teens are charged the highest prices, as much as $524 a month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $2,010 more each year for Macan insurance
• Increasing physical damage deductibles can save around $725 each year
• It is possible to save as much as $210 per year just by shopping early and online

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.