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 insurance rates for a Porsche Macan are $1,704 a year for full coverage insurance. Comprehensive costs an estimated $362 a year, collision costs $728, and liability coverage costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $3,716. Teenage drivers cost the most to insure at $6,292 a year or more.

Average premium for full coverage: $1,704

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $954
• Drivers who choose higher $1,000 deductibles will pay approximately $1,456 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,704
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,188
• High-risk insureds who are prone to accidents and violations could pay up to $3,716 or more
• Policy cost for full coverage for a teenage driver can cost as much as $6,292 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $6,200 a year. View Rates by Age

Your home state makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,300 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $740 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $2,000 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

How to Find the Best Porsche Macan Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief recap of the information covered above.

• It is possible to save approximately $210 per year simply by quoting early and online
• Teens are charged the highest rates, possibly costing $524 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $725 each year
• Drivers who tend to receive serious violations pay on average $2,010 more annually for Macan insurance
• Consumers who want higher liability limits will pay an extra $500 annually to go from a 30/60 limit 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.

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.