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 insurance prices for a Porsche Macan are $1,758 every 12 months with full coverage. Comprehensive costs an estimated $376, collision costs $772, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $3,842. Teens pay the most at $6,468 a year or more.

Average premium for full coverage: $1,758

Premium estimates broken down by type of coverage:

These estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Macan models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Porsche Macan insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $980
• Raising to $1,000 deductibles will save approximately $260 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,758
• Selecting pricier low deductibles increases the price to $2,270
• Higher-risk drivers with serious driving violations could pay up to $3,842 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $6,468

View Chart as Image

Auto insurance prices for a Porsche Macan also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $780 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $6,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $2,100 to $2,900 in extra premium annually, depending on your age. Porsche Macan insurance for high-risk drivers is expensive and can cost anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Porsche Macan insurance rates. A middle-age driver might find prices as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,370 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

How to Shop for Cheap Porsche Macan Insurance

Finding better rates on Porsche Macan insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a brief summary of the data that was covered above.

• You may be able to save approximately $220 per year simply by quoting online well ahead of the renewal date
• Drivers who want higher liability limits will pay approximately $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
• Teens are the costliest to insure, possibly costing $539 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $2,080 more annually for Macan 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.

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.