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.

Average insurance rates for a Porsche Macan are $1,758 a year for full coverage. Comprehensive costs on average $376 each year, collision costs $772, and liability costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $3,842. Teen drivers receive the highest rates at $6,468 a year or more.

Average premium for full coverage: $1,758

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Macan models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows estimated Porsche Macan insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $980
• Using higher $1,000 deductibles will save around $260 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,758
• Choosing low deductibles for physical damage coverage will increase the cost to $2,270
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,842 or more
• The cost for full coverage for a 16-year-old driver may cost $6,468 or more

View Chart as Image

Insurance rates for a Porsche Macan can also vary considerably based on your driver profile, the trim level of your Macan, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $6,400 a year. View Rates by Age

Where you live has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Idaho, Maine, and Iowa, or as much as $2,510 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $780 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,100 to $2,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 45% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

How to Find Affordable Porsche Macan Insurance

Saving money on insurance for a Porsche Macan requires avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Set aside time to compare rates every year by getting rate quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a brief review of the coverage data covered above.

• Drivers can save as much as $220 per year simply by quoting online in advance
• Increasing deductibles can save around $775 each year
• Drivers under the age of 20 pay the highest rates, costing as high as $539 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions will pay on average $2,080 more each year to insure a Porsche Macan

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.