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.

The average auto insurance rates for a Porsche Macan are $1,704 annually for full coverage insurance. Comprehensive costs on average $362, collision costs $728, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing around $3,716. Teen drivers cost the most to insure at $6,292 a year or more.

Average premium for full coverage: $1,704

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $954
• Using higher $1,000 deductibles will save around $248 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,704
• Choosing more expensive low deductibles for physical damage coverage will cost $2,188
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,716 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $6,292 or more

View Chart as Image

Car insurance rates for a Porsche Macan also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $6,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,800 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $740 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,300 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

How to Buy Cheap Porsche Macan Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the primary concepts that were raised in the charts and tables above.

• It is possible to save as much as $210 per year simply by shopping early and online
• Higher risk drivers that tend to have accidents or serious violations may pay on average $2,010 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $725 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $524 each month if comprehensive and collision insurance is included

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.