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 auto insurance rates for a Porsche Macan are $1,704 annually including full coverage. Comprehensive costs approximately $362, collision costs $728, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $3,716. 16-year-old drivers cost the most to insure at $6,292 a year or more.

Average premium for full coverage: $1,704

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Macan models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $954
• Raising to $1,000 deductibles will save $248 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,704
• Buying pricier low deductibles will cost $2,188
• Drivers with multiple tickets or accidents could pay around $3,716 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $6,292

View Chart as Image

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

A more mature driver with a good driving record and high physical damage 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, where even without any violations or accidents they will have to pay in the ballpark of $6,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,800 in extra premium every year, depending on your age. Porsche Macan insurance for high-risk drivers is expensive and can cost from 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $740 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Porsche Macan insurance prices. A middle-age driver might find rates as low as $1,310 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

How to Buy Cheap Porsche Macan Insurance

Finding cheaper rates on insurance for a Porsche Macan consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $210 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $2,010 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $725 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $524 each month if full coverage 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.