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 for full coverage. Comprehensive insurance costs on average $362 each year, collision insurance costs $728, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $3,716 or more. 16-year-old drivers pay the highest rates at up to $6,292 a year.

Average premium for full coverage: $1,704

Price estimates by individual coverage:

Includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Macan models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows average Porsche Macan insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $954
• Choosing higher $1,000 deductibles can save around $248 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,704
• Buying low deductibles for comp and collision coverage will cost an additional $484 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,716
• The price that insures a teen driver may cost $6,292 each year

View Chart as Image

Insurance prices for a Porsche Macan are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $2,000 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Porsche Macan insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $740 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Porsche Macan Insurance

Getting lower rates on Porsche Macan insurance takes not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $210 per year just by quoting online in advance
• High-risk drivers that have major violations or accidents may pay on average $2,010 more each year for Macan insurance
• Increasing physical damage deductibles can save approximately $725 each year
• Teens pay higher prices, with premiums as much as $524 a month if comprehensive and collision insurance 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.