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 for full coverage insurance. Comprehensive costs around $362 each year, collision costs $728, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,716. Teen drivers cost the most to insure at $6,292 a year or more.

Average premium for full coverage: $1,704

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Macan models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below illustrates estimated Porsche Macan insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $954
• Using higher $1,000 deductibles will save about $248 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,704
• Choosing low deductibles for physical damage coverage will increase the cost to $2,188
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,716 or more
• Policy cost for full coverage for a 16-year-old driver can be $6,292 or more

View Chart as Image

Auto insurance rates for a Porsche Macan also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $6,200 a year. View Rates by Age

Your home state has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,300 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $740 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $2,000 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 45% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find Low Cost Porsche Macan Insurance

Finding cheaper rates on insurance for a Porsche Macan requires being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a review of the coverage data presented in the illustrations above.

• It is possible to save up to $210 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $725 each year
• Teenage drivers are expensive to insure, possibly costing $524 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $2,010 more every year for auto 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.