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.

Estimated insurance prices for a Porsche Macan are $1,704 every 12 months for full coverage. Comprehensive costs on average $362 each year, collision insurance costs $728, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $3,716. Teenage drivers pay the most at up to $6,292 a year.

Average premium for full coverage: $1,704

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Macan models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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 discount rate is $954
• Using higher $1,000 deductibles will save around $248 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,704
• Using low deductibles for physical damage coverage increases the price to $2,188
• Drivers who are prone to accidents and violations could pay upwards of $3,716
• An auto insurance policy to insure a teen driver may cost $6,292 or more

View Chart as Image

Auto insurance prices for a Porsche Macan also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Macan.

Using high physical damage deductibles could cut prices by as much as $740 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $6,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,000 to $2,800 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see prices as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for More Affordable Porsche Macan Insurance

Finding better rates on Porsche Macan insurance requires being safe and accident-free, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below you'll find a summary of the information touched on above.

• Drivers can save as much as $210 per year just by quoting online in advance
• Youthful drivers are charged the highest prices, as much as $524 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $725 each year
• High-risk drivers who have multiple accidents or major violations pay an average of $2,010 more each year than a low-risk driver
• Drivers who require more liability protection will pay an extra $500 each year to increase from 30/60 bodily injury limits to a 250/500 level

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.