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 including full coverage. Comprehensive costs an estimated $376, collision costs $772, and liability insurance is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers 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 broken down by individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Macan models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects insurance prices.

These examples highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

More Rate Information

The chart below breaks down estimated Porsche Macan insurance rates for other coverage scenarios.

• The lowest rate with discounts is $980
• Raising to $1,000 deductibles will save approximately $260 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,758
• Choosing pricier low deductibles will increase the cost to $2,270
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,842 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $6,468

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $6,400 a year. View Rates by Age

Where you live also has a big influence on Porsche Macan insurance rates. A middle-age driver might find rates as low as $1,350 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,510 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $780 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $2,100 to $2,900 additional per year, depending on your age. Porsche Macan insurance for high-risk drivers is expensive and can cost anywhere from 45% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.

How to Find More Affordable Porsche Macan Insurance

Saving money on Porsche Macan insurance consists of being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a summary of the data that was raised in the charts and tables above.

• You may be able to save approximately $220 per year simply by quoting online well ahead of the renewal date
• Drivers who want an increased level of liability coverage will pay about $500 per year to raise from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $539 per month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may pay on average $2,080 more annually than a safer driver

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.