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 approximately $362, collision insurance costs $728, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage 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 by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Macan models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $954
• Raising to $1,000 deductibles will save $248 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,704
• Selecting pricier low deductibles will increase the cost to $2,188
• Higher-risk drivers with serious driving violations could pay around $3,716
• The cost for full coverage for a teen driver for full coverage can cost $6,292

View Chart as Image

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

A more mature driver with no driving violations and high deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $6,200 a year. View Rates by Age

Where you live also has a big influence on Porsche Macan insurance rates. A middle-age driver might find rates 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 can reduce rates by up to $740 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $2,000 to $2,800 extra per year, depending on your age. Porsche Macan insurance for high-risk drivers is expensive and can cost anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

How to Find Affordable Porsche Macan Insurance

Saving money on Porsche Macan insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a brief review of the information illustrated above.

• You may be able to save around $210 per year just by quoting online well ahead of the renewal date
• Teenagers pay the highest auto insurance rates, as much as $524 per month if full coverage is included
• Increasing deductibles can save around $725 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,010 more per year for car insurance
• Drivers who purchase higher liability limits will pay approximately $500 per year to raise from a minimum limit to 250/500 limits

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.