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.

The average insurance rates for a Porsche Macan are $1,758 a year with full coverage. Comprehensive insurance costs an estimated $376 each year, collision costs $772, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $3,842 or more. Teens cost the most to insure at $6,468 a year or more.

Average premium for full coverage: $1,758

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Macan models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $980
• Using higher $1,000 deductibles will save approximately $260 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,758
• Selecting low deductibles for physical damage coverage will cost an additional $512 each year
• Higher-risk drivers with serious driving violations could pay up to $3,842 or more
• Policy cost that insures a teenage driver can cost as much as $6,468 or more

View Chart as Image

Car insurance rates for a Porsche Macan also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $2,100 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $6,400 a year. View Rates by Age

Your home state has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see rates as low as $1,270 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,370 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $780 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied.

How to Find Cheaper Porsche Macan Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the information covered in the above illustrations.

• You may be able to save approximately $220 per year simply by quoting online in advance
• Youthful drivers have the highest car insurance rates, as much as $539 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $775 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $2,080 more annually than a low-risk driver
• Consumers who want more liability protection will pay approximately $500 every year to increase from a 30/60 limit to the 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.