Porsche Macan Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Estimated insurance rates for a Porsche Macan are $1,824 a year with full coverage. Comprehensive insurance costs around $392 each year, collision costs $832, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $3,994 or more. 16-year-old drivers pay the most at $6,686 a year or more.

Average premium for full coverage: $1,824

Premium estimates for type of coverage:

Comprehensive $392
Collision $832
Liability $442

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Macan models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Porsche Macan go from as low as $496 for minimum levels of liability insurance to a high rate of $3,994 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,824
High Risk $3,994

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,368
Small Cities $1,915
Large Cities $2,462

These rate differences demonstrate why all drivers should get quotes for a specific zip code and risk profile, instead of using rate 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 Details

The chart below details estimated Porsche Macan insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,010
  • Choosing higher $1,000 deductibles can save about $276 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,824
  • Buying low deductibles for comp and collision coverage will cost an extra $544 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $3,994 or more
  • An auto insurance policy for full coverage for a teen driver can be $6,686 each year

View Chart as Image

Porsche Macan insurance cost comparison chart
Column chart showing full coverage Porsche Macan insurance prices range from $1,010 to $6,686

Insurance prices for a Porsche Macan also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $6,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Porsche Macan insurance prices. A good driver about age 40 could pay as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or at least $2,460 on average in Florida, Michigan, and New York.

Porsche Macan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,650 -$174 -9.5%
Alaska $1,400 -$424 -23.2%
Arizona $1,518 -$306 -16.8%
Arkansas $1,824 -$0 0.0%
California $2,080 $256 14.0%
Colorado $1,744 -$80 -4.4%
Connecticut $1,876 $52 2.9%
Delaware $2,066 $242 13.3%
Florida $2,282 $458 25.1%
Georgia $1,686 -$138 -7.6%
Hawaii $1,312 -$512 -28.1%
Idaho $1,236 -$588 -32.2%
Illinois $1,360 -$464 -25.4%
Indiana $1,376 -$448 -24.6%
Iowa $1,230 -$594 -32.6%
Kansas $1,734 -$90 -4.9%
Kentucky $2,490 $666 36.5%
Louisiana $2,704 $880 48.2%
Maine $1,126 -$698 -38.3%
Maryland $1,508 -$316 -17.3%
Massachusetts $1,462 -$362 -19.8%
Michigan $3,170 $1,346 73.8%
Minnesota $1,528 -$296 -16.2%
Mississippi $2,188 $364 20.0%
Missouri $1,620 -$204 -11.2%
Montana $1,964 $140 7.7%
Nebraska $1,438 -$386 -21.2%
Nevada $2,188 $364 20.0%
New Hampshire $1,314 -$510 -28.0%
New Jersey $2,040 $216 11.8%
New Mexico $1,616 -$208 -11.4%
New York $1,922 $98 5.4%
North Carolina $1,052 -$772 -42.3%
North Dakota $1,494 -$330 -18.1%
Ohio $1,260 -$564 -30.9%
Oklahoma $1,874 $50 2.7%
Oregon $1,672 -$152 -8.3%
Pennsylvania $1,742 -$82 -4.5%
Rhode Island $2,434 $610 33.4%
South Carolina $1,652 -$172 -9.4%
South Dakota $1,540 -$284 -15.6%
Tennessee $1,598 -$226 -12.4%
Texas $2,200 $376 20.6%
Utah $1,352 -$472 -25.9%
Vermont $1,250 -$574 -31.5%
Virginia $1,094 -$730 -40.0%
Washington $1,410 -$414 -22.7%
West Virginia $1,674 -$150 -8.2%
Wisconsin $1,264 -$560 -30.7%
Wyoming $1,626 -$198 -10.9%

View Chart as Image

Porsche Macan insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $820 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $2,200 to $3,000 additional annually, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices will be substantially different from one company to the next.

Porsche Macan Insurance Rates by Model Year
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 Find Cheap Porsche Macan Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts raised in the charts and tables above.

  • Higher risk drivers that tend to have accidents or serious violations pay an average of $2,170 more every year to insure a Porsche Macan
  • You may be able to save up to $230 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $825 each year
  • Policyholders who may need increased liability limits will pay around $490 every year to raise limits from 30/60 bodily injury limits to 250/500 limits

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Rates by Driver Age

Porsche Macan Insurance Rates by Driver Age
Driver Age Premium
16 $6,686
20 $4,264
30 $1,920
40 $1,824
50 $1,666
60 $1,636

Full coverage, $500 deductibles

Rates by Deductible

Porsche Macan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,368
$250 $2,114
$500 $1,824
$1,000 $1,548

Full coverage, driver age 40

Rates by Liability Limit

Porsche Macan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,824
50/100 $1,912
100/300 $2,023
250/500 $2,310
100 CSL $1,957
300 CSL $2,200
500 CSL $2,377

Full coverage, driver age 40

Rates for High Risk Drivers

Porsche Macan Insurance Rates for High Risk Drivers
Age Premium
16 $9,608
20 $6,804
30 $4,096
40 $3,994
50 $3,810
60 $3,780

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.

SR-22 Surcharge $266

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $100
Multi-vehicle $98
Homeowner $26
5-yr Accident Free $146
5-yr Claim Free $122
Paid in Full/EFT $92
Advance Quote $97
Online Quote $133
Total Discounts $814
Rate after discounts $1,010

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles