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.
Average insurance rates for a Porsche Macan are $1,864 a year for full coverage. Comprehensive costs on average $414 a year, collision costs $862, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $4,074. Teen drivers receive the highest rates at $6,776 a year or more.
Average premium for full coverage: $1,864
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Macan trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $4,074 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location 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.
Insurance Rate Analysis
The chart below shows estimated Porsche Macan insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,034
- Drivers who choose higher $1,000 deductibles will pay around $1,576 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,864
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,434
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $4,074 or more
- The cost for full coverage for a teen driver may cost $6,776 a year
for a Porsche Macan can also vary considerably based on your driver profile, the trim level of your Macan, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,700 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 $1,230 a year in states like Idaho, Maine, and Iowa, or as much as $2,660 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $860 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,200 to $3,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Porsche Macan||$414||$862||$430||$1,864|
|2015 Porsche Macan||$362||$728||$456||$1,704|
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 Cheaper Porsche Macan Insurance
Saving money on Porsche Macan insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $850 each year
- Drivers can save as much as $240 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $565 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $2,210 more each year for 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||$150|
|5-yr Claim Free||$124|
|Paid in Full/EFT||$94|
Discounts are estimated and may not be available from every company or in every state.