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 auto insurance rates for a Porsche Macan are $1,704 annually for full coverage insurance. Comprehensive costs an estimated $362, collision insurance costs $728, and liability coverage is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs around $3,716. Teens 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Macan models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects insurance prices.

The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $954
• Raising to $1,000 deductibles will save approximately $248 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,704
• Selecting pricier low deductibles will cost $2,188
• Unlucky drivers with serious driving violations could pay up to $3,716
• The price with full coverage for a teenage driver for full coverage can cost as much as $6,292

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $6,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $2,000 to $2,800 additional each year, depending on your age. Porsche Macan insurance for high-risk drivers is expensive and can cost around 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $740 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Porsche Macan insurance rates. A middle-age driver might find prices as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,300 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Porsche Macan Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the information touched on in the above illustrations.

• It is possible to save approximately $210 per year just by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, as much as $524 a month if they have full coverage
• Increasing physical damage deductibles could save up to $725 each year
• Drivers who have multiple accidents or major violations may pay on average $2,010 more annually than a low-risk driver
• Consumers who want more liability protection will pay approximately $500 annually to raise from a low limit to higher 250/500 limits

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.