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.

U.S. average auto insurance rates for a Porsche Macan are $1,704 annually including full coverage. Comprehensive costs approximately $362, collision insurance costs $728, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs around $3,716. Teens pay the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Macan models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $954
• Drivers who choose higher $1,000 deductibles will pay $248 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,704
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $2,188
• High risk drivers with serious driving violations could pay around $3,716
• The price with full coverage for a teen driver for full coverage can cost $6,292 a year

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Porsche Macan insurance for high-risk drivers can cost anywhere from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $740 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay 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

How to Buy the Right Porsche Macan Insurance

Getting lower rates on Porsche Macan insurance not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a quick rundown of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $210 per year just by quoting online well ahead of the renewal date
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $2,010 more per year to insure a Porsche Macan
• Increasing physical damage deductibles could save up to $725 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $524 a month including comprehensive and collision insurance

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.