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 insurance costs an estimated $362, collision costs $728, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $3,716 or more. Teen drivers pay the most at $6,292 a year or more.

Average premium for full coverage: $1,704

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Macan trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using price averages.

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

Additional Charts and Tables

The chart below shows estimated Porsche Macan insurance rates for other coverage scenarios.

• The lowest rate with discounts is $954
• Using higher $1,000 deductibles will save approximately $248 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,704
• Choosing more expensive low deductibles for physical damage coverage costs an extra $484 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,716 or more
• An auto insurance policy to insure a teenage driver with full coverage can cost as much as $6,292 or more

View Chart as Image

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

Choosing high deductibles could cut prices by as much as $740 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $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 $2,000 to $2,800 additional annually, depending on your age. High-risk driver insurance can be around 45% to 131% more than average. 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 Iowa, Maine, and Idaho, or as much as $2,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices will be substantially different.

How to Shop for Cheaper Porsche Macan Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below is a condensed summary of the data presented in the illustrations above.

• Consumers who want higher levels of liability will pay about $500 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers can save approximately $210 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $725 each year
• Teenage drivers are expensive to insure, as much as $524 per 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.