Porsche Macan Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,824 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $392, collision insurance costs $832, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $3,994 or more. Teen drivers cost the most to insure at up to $6,686 a year.
Average premium for full coverage: $1,824
Policy rates by type of insurance:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Macan models.
Price Range Variability
For the average driver, Porsche Macan insurance rates range from the cheapest price of $496 for the bare minimum liability coverage to the much higher price of $3,994 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.
The examples above illustrate why everyone should compare prices using their specific location and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average Porsche Macan insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,010
- Using higher $1,000 deductibles will save $276 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,824
- Choosing pricier low deductibles for physical damage coverage costs an extra $544 every year
- Drivers with multiple violations and an at-fault accident could pay around $3,994
- Policy cost to insure a teen driver for full coverage can cost $6,686 or more
Auto insurance rates for a Porsche Macan also range considerably based on liability limits and deductibles, your risk profile, and the model of your Macan.
Choosing high deductibles could cut rates by as much as $820 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $6,600 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 probably paying anywhere from $2,200 to $3,000 in extra premium every year, depending on your age. Porsche Macan insurance for high-risk drivers can be as much as 45% to 134% more than average. View High Risk Driver Rates
Your home state has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,460 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Porsche Macan||$392||$832||$442||$1,824|
|2015 Porsche Macan||$346||$652||$460||$1,616|
Rates are averaged for all Porsche Macan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Porsche Macan Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
Below is a review of the data that was touched on above.
- It is possible to save around $230 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher levels of liability will pay about $490 annually to increase from a 30/60 limit to a 250/500 level
- Teenage drivers have the highest car insurance rates, possibly costing $557 each month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations may have to pay on average $2,170 more per year for auto 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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$146|
|5-yr Claim Free||$122|
|Paid in Full/EFT||$92|
Discounts are estimated and may not be available from every company or in every state.