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.

Estimated auto insurance rates for a Porsche Macan are $1,704 annually for full coverage. Comprehensive insurance costs approximately $362, collision insurance costs $728, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $3,716 or more. Teens pay the most at up to $6,292 a year.

Average premium for full coverage: $1,704

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Macan trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $954
• Drivers who choose higher $1,000 deductibles will pay $248 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,704
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $484 a year
• High risk drivers with serious driving violations could pay around $3,716
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $6,292 a year

View Chart as Image

Auto insurance prices for a Porsche Macan also have a wide range based on the model of your Macan, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $6,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,800 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $740 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy More Affordable Porsche Macan Insurance

Finding better rates on Porsche Macan insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The following items are a summary of the data touched on in this article.

• Drivers who purchase additional liability coverage will pay approximately $500 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save around $210 per year just by shopping early and online
• Increasing policy deductibles could save up to $725 each year
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $524 per month if full coverage is included

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.