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 $1,758 a year with full coverage. Comprehensive costs approximately $376 each year, collision costs $772, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $3,842. Teen drivers pay the highest rates at $6,468 a year or more.

Average premium for full coverage: $1,758

Price estimates by individual coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Macan models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location, rather than using price averages.

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

More Rate Information

The chart below details estimated Porsche Macan insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $980
• Using higher $1,000 deductibles will save $260 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,758
• Choosing low deductibles for physical damage coverage bumps up the cost to $2,270
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,842 or more
• The price that insures a teenage driver can cost $6,468 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $2,100 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 133% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,400 a year. View Rates by Age

The state you live in has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see prices as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,370 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $780 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different.

How to Find Cheap Porsche Macan Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct companies, and also from local insurance agencies.

The points below are a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $220 per year simply by quoting online in advance
• Drivers that tend to have accidents or serious violations may have to pay on average $2,080 more per year to insure a Porsche Macan
• Increasing physical damage deductibles can save approximately $775 each year
• Drivers under the age of 20 are expensive to insure, costing up to $539 a 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.