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 insurance rates for a Porsche Macan are $1,704 a year including full coverage. Comprehensive costs on average $362, collision insurance costs $728, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs around $3,716. Teen drivers pay the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Macan trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below breaks down average 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 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,704
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $2,188
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,716
• The price that insures a 16-year-old driver with full coverage may cost $6,292 or more

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $2,000 to $2,800 extra each year, depending on your age. High-risk driver insurance can be from 45% to 131% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $6,200 a year. View Rates by Age

The state you live in has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see prices 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

Choosing high deductibles could cut prices by as much as $740 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Porsche Macan Insurance

Getting lower rates on insurance for a Porsche Macan requires having a good driving record, having above-average credit, being claim-free, and determing if full coverage is necessary. Shop around at every other renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $2,010 more each year to buy Porsche Macan insurance
• Drivers age 20 and younger pay the highest prices, possibly costing $524 a month if full coverage is included
• You may be able to save as much as $210 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $725 each year
• You may be able to save as much as $210 per year just by shopping 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.