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.

U.S. average auto insurance rates for a Porsche Macan are $1,704 annually with full coverage. Comprehensive costs approximately $362 a year, collision costs $728, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,716. Teen drivers pay the highest rates at $6,292 a year or more.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Macan trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $954
• Raising to $1,000 deductibles will save $1,456 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,704
• Choosing low $100 deductibles will cost $2,188
• Drivers with multiple violations and an at-fault accident could pay around $3,716 or more
• The price with full coverage for a 16-year-old driver can cost $6,292

View Chart as Image

Auto insurance prices for a Porsche Macan are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,800 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $740 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Porsche Macan insurance prices. A middle-age driver might find prices as low as $1,230 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,300 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

How to Buy the Right Porsche Macan Insurance

Getting lower rates on insurance for a Porsche Macan consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the primary concepts that were illustrated above.

• You may be able to save around $210 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,010 more per year than a low-risk driver
• Increasing physical damage deductibles could save up to $725 each year
• Youthful drivers have the highest car insurance prices, costing up to $524 a month if full coverage 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.