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 auto insurance rates for a Porsche Macan are $1,824 annually for full coverage. Comprehensive insurance costs an estimated $392 a year, collision costs $832, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $3,994 or more. Teenage drivers receive the highest rates at $6,686 a year or more.

Average premium for full coverage: $1,824

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Macan trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $1,010
• Using higher $1,000 deductibles will save approximately $1,548 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,824
• Using low $100 deductibles for physical damage coverage costs an additional $544 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,994 or more
• The cost with full coverage for a teenage driver can cost as much as $6,686 or more

View Chart as Image

Insurance rates for a Porsche Macan can also vary considerably based on the trim level of your Macan, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,700 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $2,200 to $3,000 extra per year, depending on your age. A high-risk auto insurance policy can be around 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $820 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Porsche Macan insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,600 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.

How to Buy the Best Porsche Macan Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief recap of the material that was touched on above.

• Consumers who want additional liability coverage will pay an extra $490 each year to increase from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $557 per month including comprehensive and collision insurance
• Drivers who tend to receive serious violations may pay on average $2,170 more annually than a driver with a clean driving record
• Increasing deductibles could save up to $825 each year

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.