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 $1,704 a year for full coverage insurance. Comprehensive costs around $362, collision costs $728, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing around $3,716. 16-year-old drivers receive the highest rates at $6,292 a year or more.

Average premium for full coverage: $1,704

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Macan models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

These examples illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using rate averages.

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

More Rate Details

The chart below illustrates estimated Porsche Macan insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $954
• Drivers who choose higher $1,000 deductibles will pay about $248 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,704
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,188
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,716 or more
• The cost for full coverage for a teen driver for full coverage can be $6,292 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $6,200 a year. View Rates by Age

Where you live makes a big difference in Porsche Macan insurance prices. A 40-year-old driver could pay 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 save up to $740 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $2,000 to $2,800 additional per year, depending on your age. Porsche Macan insurance for high-risk drivers can cost as much as 45% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different from one company to the next.

How to Find the Cheapest Porsche Macan Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a recap of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $210 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers that have major violations or accidents may pay on average $2,010 more every year than a driver with a clean driving record
• Increasing deductibles can save around $725 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $524 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.