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 prices for a Porsche Macan are $1,704 every 12 months including full coverage. Comprehensive insurance costs on average $362 a year, collision costs $728, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $3,716 or more. 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:

Price estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $954
• Drivers who choose higher $1,000 deductibles will pay around $1,456 every year
• The average price for a good driver age 40 with $500 deductibles is $1,704
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $484 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,716 or more
• Policy cost to insure a teen driver may cost $6,292 a year

View Chart as Image

Insurance rates for a Porsche Macan also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Macan.

Choosing high deductibles could save up to $740 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $6,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 131% more than average. View High Risk Driver Rates

Your home state makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,430 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied.

How to Shop for Cheaper Porsche Macan Insurance

Finding cheaper rates on Porsche Macan insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Take the time to comparison shop once a year by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a condensed summary of the data that was touched on in the above illustrations.

• You may be able to save as much as $210 per year simply by quoting early and online
• Drivers who require higher liability limits will pay about $500 per year to go from a 30/60 limit to a 250/500 level
• Teens pay the highest rates, with premiums being up to $524 each month if they have full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $2,010 more each year for Macan insurance

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.