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.

Average insurance prices for a Porsche Macan are $1,758 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $376, collision costs $772, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $3,842 or more. Teenage drivers receive the highest rates at $6,468 a year or more.

Average premium for full coverage: $1,758

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Macan trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $980
• Using higher $1,000 deductibles will save $260 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,758
• Using more expensive low deductibles for physical damage coverage costs an extra $512 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,842 or more
• The cost to insure a 16-year-old driver with full coverage can cost $6,468 or more

View Chart as Image

Auto insurance rates for a Porsche Macan can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Macan.

Using high physical damage deductibles could cut rates by as much as $780 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $6,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $2,100 to $2,900 in extra premium per year, depending on your age. High-risk driver insurance can be from 45% to 133% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Porsche Macan insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,370 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

How to Shop for Affordable Porsche Macan Insurance

Saving money on insurance for a Porsche Macan requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a brief review of the data that was covered in the charts and tables above.

• It is possible to save around $220 per year simply by shopping early and online
• Insureds who purchase more liability protection will pay an extra $500 annually to increase from a minimum limit to a 250/500 level
• Youthful drivers have the highest car insurance rates, costing up to $539 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $2,080 more per year than a low-risk driver

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.