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 prices for a Porsche Macan are $1,704 every 12 months for full coverage. Comprehensive insurance costs around $362 a 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 $3,716 or more. Teenage 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 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $954
• Using higher $1,000 deductibles will save about $1,456 a year
• The average price for a good driver age 40 using $500 deductibles is $1,704
• Using low $100 deductibles for physical damage coverage costs an extra $484 every year
• Drivers who are prone to accidents and violations could pay at least $3,716 or more
• Policy cost to insure a teen driver can be $6,292 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $740 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $6,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for Low Cost Porsche Macan Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a review of the car insurance concepts illustrated above.

• Higher risk drivers who have several accidents or serious violations may pay on average $2,010 more every year for Macan insurance
• Drivers can save up to $210 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $725 each year
• Policyholders who may need higher liability limits will pay an extra $500 each year to increase from a 30/60 limit to a 250/500 level

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.