Porsche Macan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 $1,758 a year with full coverage. Comprehensive costs around $376 a year, collision costs $772, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,842. Teen drivers receive the highest rates at $6,468 a year or more.

Average premium for full coverage: $1,758

Rate estimates for individual coverage type:

Comprehensive $376
Collision $772
Liability $452

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Macan trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $504 for just liability insurance to a high of $3,842 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,758
High Risk $3,842

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance rates.

Rural Areas $1,319
Small Cities $1,846
Large Cities $2,373

These examples demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

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

  • The lowest rate with discounts is $980
  • Drivers who choose higher $1,000 deductibles will pay about $1,498 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,758
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,270
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,842 or more
  • The cost for full coverage for a teen driver can be $6,468 a year

View Chart as Image

Porsche Macan insurance cost comparison chart
Column chart showing full coverage Porsche Macan insurance rates range from $980 to $6,468

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $6,400 a year. View Rates by Age

Where you live makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,370 on average in Florida, Michigan, and New York.

Porsche Macan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,590 -$168 -9.6%
Alaska $1,348 -$410 -23.3%
Arizona $1,460 -$298 -17.0%
Arkansas $1,758 -$0 0.0%
California $2,004 $246 14.0%
Colorado $1,680 -$78 -4.4%
Connecticut $1,810 $52 3.0%
Delaware $1,990 $232 13.2%
Florida $2,200 $442 25.1%
Georgia $1,624 -$134 -7.6%
Hawaii $1,262 -$496 -28.2%
Idaho $1,192 -$566 -32.2%
Illinois $1,310 -$448 -25.5%
Indiana $1,324 -$434 -24.7%
Iowa $1,186 -$572 -32.5%
Kansas $1,672 -$86 -4.9%
Kentucky $2,400 $642 36.5%
Louisiana $2,604 $846 48.1%
Maine $1,084 -$674 -38.3%
Maryland $1,450 -$308 -17.5%
Massachusetts $1,408 -$350 -19.9%
Michigan $3,056 $1,298 73.8%
Minnesota $1,472 -$286 -16.3%
Mississippi $2,108 $350 19.9%
Missouri $1,560 -$198 -11.3%
Montana $1,888 $130 7.4%
Nebraska $1,386 -$372 -21.2%
Nevada $2,110 $352 20.0%
New Hampshire $1,268 -$490 -27.9%
New Jersey $1,966 $208 11.8%
New Mexico $1,558 -$200 -11.4%
New York $1,852 $94 5.3%
North Carolina $1,012 -$746 -42.4%
North Dakota $1,440 -$318 -18.1%
Ohio $1,216 -$542 -30.8%
Oklahoma $1,804 $46 2.6%
Oregon $1,612 -$146 -8.3%
Pennsylvania $1,678 -$80 -4.6%
Rhode Island $2,346 $588 33.4%
South Carolina $1,594 -$164 -9.3%
South Dakota $1,484 -$274 -15.6%
Tennessee $1,540 -$218 -12.4%
Texas $2,120 $362 20.6%
Utah $1,302 -$456 -25.9%
Vermont $1,204 -$554 -31.5%
Virginia $1,054 -$704 -40.0%
Washington $1,358 -$400 -22.8%
West Virginia $1,612 -$146 -8.3%
Wisconsin $1,216 -$542 -30.8%
Wyoming $1,568 -$190 -10.8%

View Chart as Image

Porsche Macan insurance rates by U.S. city

Choosing high deductibles could save up to $780 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $2,100 to $2,900 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

Porsche Macan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Porsche Macan $376 $772 $452 $1,758
2015 Porsche Macan $324 $600 $460 $1,542

Rates are averaged for all Porsche Macan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Porsche Macan Insurance

Saving money on Porsche Macan insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a quick review of the information touched on in the above illustrations.

  • You may be able to save up to $220 per year simply by quoting early and online
  • Drivers under the age of 20 pay higher rates, with premiums as much as $539 per month for full coverage
  • Increasing deductibles can save around $775 each year
  • High-risk drivers with a DUI or reckless driving violation pay an average of $2,080 more every year to insure a Porsche Macan
  • Drivers who may need increased liability limits will pay about $500 every year to go from a minimum limit to 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.

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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:

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.

Rates by Driver Age

Porsche Macan Insurance Rates by Driver Age
Driver Age Premium
16 $6,468
20 $4,098
30 $1,846
40 $1,758
50 $1,604
60 $1,576

Full coverage, $500 deductibles

Rates by Deductible

Porsche Macan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,270
$250 $2,032
$500 $1,758
$1,000 $1,498

Full coverage, driver age 40

Rates by Liability Limit

Porsche Macan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,758
50/100 $1,848
100/300 $1,961
250/500 $2,255
100 CSL $1,894
300 CSL $2,142
500 CSL $2,323

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Macan Insurance Rates for High Risk Drivers
Age Premium
16 $9,286
20 $6,536
30 $3,938
40 $3,842
50 $3,666
60 $3,636

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $255

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $96
Multi-vehicle $94
Homeowner $25
5-yr Accident Free $139
5-yr Claim Free $117
Paid in Full/EFT $87
Advance Quote $92
Online Quote $128
Total Discounts $778
Rate after discounts $980

Discounts are estimated and may not be available from every company or in every state.

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