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. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $728, and liability insurance is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $3,716 or more. 16-year-old drivers pay the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Macan trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The ranges above show why it is important to get quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Details

The chart below shows average Porsche Macan insurance rates for other coverage scenarios.

• The best full coverage rate is $954
• Choosing higher $1,000 deductibles can save approximately $1,456 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,704
• Buying low $100 deductibles for comp and collision coverage will cost an extra $484 a year
• High-risk insureds with multiple tickets or accidents could pay up to $3,716
• The price for full coverage for a teen driver can cost as much as $6,292 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $6,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Macan insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $740 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $2,000 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

How to Find the Best Porsche Macan Insurance

Getting lower rates on Porsche Macan insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief recap of the material that was presented in the illustrations above.

• Drivers who want higher levels of liability will pay around $500 each year to raise limits from a low limit to 250/500 limits
• Teenage drivers have the highest car insurance prices, with premiums as much as $524 a month if full coverage is included
• High-risk drivers who tend to receive serious violations pay an average of $2,010 more annually for auto insurance
• Increasing physical damage deductibles can save around $725 each year

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.