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 with full coverage. Comprehensive insurance costs on average $362 each year, collision insurance costs $728, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $3,716 or more. 16-year-old drivers cost the most to insure at up to $6,292 a year.

Average premium for full coverage: $1,704

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Macan models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on rate averages.

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

More Rate Details

The chart below details average Porsche Macan insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $954
• Raising to $1,000 deductibles will save around $248 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,704
• Buying low deductibles will cost an additional $484 annually
• Drivers with multiple tickets or accidents could pay upwards of $3,716
• Policy cost that insures a 16-year-old driver may cost $6,292

View Chart as Image

Car insurance rates for a Porsche Macan also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,000 to $2,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $6,200 a year. View Rates by Age

Your home state also has a big influence on Porsche Macan insurance prices. A middle-age driver might find rates as low as $1,230 a year in states like New Hampshire, Ohio, and Utah, or at least $2,300 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $740 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Porsche Macan Insurance

Finding cheaper rates on insurance for a Porsche Macan consists of having a decent driving record, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The following items are a recap of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents pay on average $2,010 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $524 each month if full coverage is purchased
• You may be able to save as much as $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $725 each year
• You may be able to save as much as $210 per year just by quoting online in advance

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.