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 including full coverage. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $728, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $3,716 or more. Teenage drivers cost the most to insure at up to $6,292 a year.

Average premium for full coverage: $1,704

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, rather than relying on average rates.

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 best discount rate is $954
• Using higher $1,000 deductibles will save approximately $1,456 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,704
• Using low $100 deductibles for physical damage coverage costs an extra $484 a year
• Drivers who are prone to accidents and violations could pay up to $3,716
• Policy cost to insure a teen driver can cost as much as $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 driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $740 each year, while buying higher liability limits will increase premiums. Changing 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 could 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 at least $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 are likely paying $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see rates as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Right Porsche Macan Insurance

Finding cheaper rates on Porsche Macan insurance requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $210 per year just by quoting early and online
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $2,010 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $725 each year
• Youthful drivers are the costliest to insure, with premiums being up to $524 each month if comprehensive and collision insurance is included

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.