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.

Average insurance rates for a Porsche Macan are $1,704 a year including full coverage. Comprehensive costs an estimated $362 each year, collision insurance costs $728, and liability coverage costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs around $3,716. Teens receive the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Macan models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Porsche Macan insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $954
• Drivers who choose higher $1,000 deductibles will pay approximately $248 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,704
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $2,188
• High-risk insureds with serious driving violations could pay up to $3,716
• The cost for full coverage for a teenage driver can cost as much as $6,292 a year

View Chart as Image

Auto insurance rates for a Porsche Macan can also vary considerably based on your driver profile, the model of your Macan, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,200 a year. View Rates by Age

Where you live makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $740 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $2,000 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 131% more than the average policy. View High Risk Driver Rates

How to Find Affordable Porsche Macan Insurance

Saving money on auto insurance not only requires having a good driving record, but also having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a brief review of the primary concepts that were covered above.

• You may be able to save approximately $210 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions may pay on average $2,010 more annually to buy Porsche Macan insurance
• Increasing deductibles can save around $725 each year
• Drivers age 20 and younger are the costliest to insure, as much as $524 per month if they have full coverage

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.