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.

The average insurance rates for a Porsche Macan are $1,704 a year with full coverage. Comprehensive costs approximately $362 a year, collision insurance costs $728, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $3,716. Teenage drivers cost the most to insure at up to $6,292 a year.

Average premium for full coverage: $1,704

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $954
• Choosing higher $1,000 deductibles can save $1,456 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,704
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $2,188
• High-risk insureds who are prone to accidents and violations could pay around $3,716
• Policy cost that insures a teen driver can cost $6,292 each year

View Chart as Image

Car insurance rates for a Porsche Macan also range considerably based on the trim level of your Macan, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,000 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Macan insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $740 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Porsche Macan Insurance

Finding cheaper rates on Porsche Macan insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare prices at every policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The items below are a summary of the data touched on in the above illustrations.

• Drivers who purchase more liability coverage will pay an extra $500 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save around $210 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $725 each year
• Teen drivers pay the highest auto insurance rates, as much as $524 each month if full coverage is purchased

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.