Porsche Macan Insurance Rates

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

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: May 23, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $392
Collision $832
Liability $442

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.

Liability Only $496
Full Coverage $1,824
High Risk $3,994

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.

Rural Areas $1,368
Small Cities $1,915
Large Cities $2,462

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

View Chart as Image

Porsche Macan insurance cost comparison chart
Column chart showing full coverage Porsche Macan insurance prices range from $1,010 to $6,686

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.

Porsche Macan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,650 -$174 -9.5%
Alaska $1,400 -$424 -23.2%
Arizona $1,518 -$306 -16.8%
Arkansas $1,824 -$0 0.0%
California $2,080 $256 14.0%
Colorado $1,744 -$80 -4.4%
Connecticut $1,876 $52 2.9%
Delaware $2,066 $242 13.3%
Florida $2,282 $458 25.1%
Georgia $1,686 -$138 -7.6%
Hawaii $1,312 -$512 -28.1%
Idaho $1,236 -$588 -32.2%
Illinois $1,360 -$464 -25.4%
Indiana $1,376 -$448 -24.6%
Iowa $1,230 -$594 -32.6%
Kansas $1,734 -$90 -4.9%
Kentucky $2,490 $666 36.5%
Louisiana $2,704 $880 48.2%
Maine $1,126 -$698 -38.3%
Maryland $1,508 -$316 -17.3%
Massachusetts $1,462 -$362 -19.8%
Michigan $3,170 $1,346 73.8%
Minnesota $1,528 -$296 -16.2%
Mississippi $2,188 $364 20.0%
Missouri $1,620 -$204 -11.2%
Montana $1,964 $140 7.7%
Nebraska $1,438 -$386 -21.2%
Nevada $2,188 $364 20.0%
New Hampshire $1,314 -$510 -28.0%
New Jersey $2,040 $216 11.8%
New Mexico $1,616 -$208 -11.4%
New York $1,922 $98 5.4%
North Carolina $1,052 -$772 -42.3%
North Dakota $1,494 -$330 -18.1%
Ohio $1,260 -$564 -30.9%
Oklahoma $1,874 $50 2.7%
Oregon $1,672 -$152 -8.3%
Pennsylvania $1,742 -$82 -4.5%
Rhode Island $2,434 $610 33.4%
South Carolina $1,652 -$172 -9.4%
South Dakota $1,540 -$284 -15.6%
Tennessee $1,598 -$226 -12.4%
Texas $2,200 $376 20.6%
Utah $1,352 -$472 -25.9%
Vermont $1,250 -$574 -31.5%
Virginia $1,094 -$730 -40.0%
Washington $1,410 -$414 -22.7%
West Virginia $1,674 -$150 -8.2%
Wisconsin $1,264 -$560 -30.7%
Wyoming $1,626 -$198 -10.9%

View Chart as Image

Porsche Macan insurance rates by U.S. city

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.

Porsche Macan Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $6,686
20 $4,264
30 $1,920
40 $1,824
50 $1,666
60 $1,636

Full coverage, $500 deductibles

Rates by Deductible

Porsche Macan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,368
$250 $2,114
$500 $1,824
$1,000 $1,548

Full coverage, driver age 40

Rates by Liability Limit

Porsche Macan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,824
50/100 $1,912
100/300 $2,023
250/500 $2,310
100 CSL $1,957
300 CSL $2,200
500 CSL $2,377

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Macan Insurance Rates for High Risk Drivers
Age Premium
16 $9,608
20 $6,804
30 $4,096
40 $3,994
50 $3,810
60 $3,780

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 $266

Potential Rate Discounts

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

Discount Savings
Multi-policy $100
Multi-vehicle $98
Homeowner $26
5-yr Accident Free $146
5-yr Claim Free $122
Paid in Full/EFT $92
Advance Quote $97
Online Quote $133
Total Discounts $814
Rate after discounts $1,010

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles