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 with full coverage. Comprehensive costs approximately $362 a year, collision costs $728, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $3,716. 16-year-old 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:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, instead of using rate averages.

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

More Rate Details

The chart below details estimated Porsche Macan insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $954
• Choosing higher $1,000 deductibles can save $1,456 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,704
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $2,188
• Unlucky drivers with multiple tickets or accidents could pay around $3,716 or more
• Policy cost for full coverage for a teen driver can cost $6,292 each year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $6,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Macan insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or at least $2,300 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $740 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.

How to Find More Affordable Porsche Macan Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a summary of the concepts that were covered in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations pay on average $2,010 more per year for auto insurance
• Teenage drivers have the highest car insurance rates, as much as $524 each month if they have full coverage
• You may be able to save around $210 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $725 each year
• You may be able to save around $210 per year simply by quoting early and online

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.