Porsche Macan Insurance Rates
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UPDATED: May 23, 2022
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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.
U.S. average auto insurance rates for a Porsche Macan are $1,824 annually for full coverage insurance. Comprehensive insurance costs an estimated $392, collision costs $832, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $3,994 or more. 16-year-old drivers pay the highest rates at $6,686 a year or more.
Average premium for full coverage: $1,824
Price estimates broken down by individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Macan trim levels.
Price Range from Low to High
For the average driver, Porsche Macan insurance prices go from as cheap as $496 for your basic liability-only policy to a much higher rate of $3,994 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than congested cities.
The price range example below illustrates how location impacts insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on rate 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 Information
The chart below illustrates estimated Porsche Macan insurance rates for other coverage scenarios.
- The best full coverage rate is $1,010
- Using higher $1,000 deductibles will save approximately $276 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,824
- Buying more expensive low deductibles for physical damage coverage costs an additional $544 a year
- Drivers with multiple tickets or accidents could pay up to $3,994 or more
- The price with full coverage for a teen driver with full coverage can cost as much as $6,686 or more
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.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,700 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance can be anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $820 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see prices as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,460 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different between companies.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Porsche Macan||$392||$832||$442||$1,824|
|2015 Porsche Macan||$346||$652||$460||$1,616|
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 Buy the Best Cheap Porsche Macan Insurance
Getting lower rates on Porsche Macan insurance requires having a good driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the data touched on above.
- Drivers who want increased levels of liability coverage will pay around $490 annually to increase from a low limit to higher 250/500 limits
- It is possible to save approximately $230 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $825 each year
- Drivers age 20 and younger are charged the highest prices, as much as $557 a 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$146|
|5-yr Claim Free||$122|
|Paid in Full/EFT||$92|
Discounts are estimated and may not be available from every company or in every state.