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.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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.
|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.
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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.
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