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 $1,824 a year for full coverage. Comprehensive costs approximately $392, collision insurance costs $832, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $3,994. Teen drivers pay the highest rates at up to $6,686 a year.

Average premium for full coverage: $1,824

Price estimates by individual coverage:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Macan trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below shows average Porsche Macan insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $1,010
• Drivers who choose higher $1,000 deductibles will pay $276 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,824
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,368
• Drivers with multiple violations and an at-fault accident could pay around $3,994
• The price that insures a 16-year-old driver with full coverage can cost $6,686 a year

View Chart as Image

Car insurance prices for a Porsche Macan are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance can cost from 45% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $6,600 a year. View Rates by Age

The state you live in makes a big difference in Porsche Macan insurance prices. A 40-year-old driver could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or as much as $2,600 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $820 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Porsche Macan Insurance

Getting lower rates on insurance for a Porsche Macan not only requires having a good driving record, but also having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Shop around every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a recap of the ideas that were touched on in this article.

• Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $557 a month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $2,170 more per year to buy Porsche Macan insurance
• Increasing physical damage deductibles can save approximately $825 each year
• Drivers can save around $230 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.