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 auto insurance rates for a Porsche Macan are $1,824 annually with full coverage. Comprehensive costs around $392, collision costs $832, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $3,994. 16-year-old drivers cost the most to insure at $6,686 a year or more.

Average premium for full coverage: $1,824

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Macan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

The chart below details estimated Porsche Macan insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $1,010
• Drivers who choose higher $1,000 deductibles will pay about $276 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,824
• Buying more expensive low deductibles for comprehensive and collision insurance will cost $2,368
• High-risk insureds with multiple tickets or accidents could pay at least $3,994 or more
• Policy cost with full coverage for a teenage driver with full coverage can be $6,686 a year

View Chart as Image

Insurance rates for a Porsche Macan also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $6,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance can cost around 45% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $820 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Porsche Macan insurance rates. A 40-year-old driver could pay as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or at least $2,460 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied between companies.

How to Buy Low Cost Porsche Macan Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a review of the concepts that were covered above.

• Drivers who have several accidents or serious violations may pay on average $2,170 more every year for auto insurance
• Teenage drivers pay higher rates, as much as $557 each month including comprehensive and collision insurance
• You may be able to save up to $230 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $825 each year
• You may be able to save up to $230 per year simply by shopping early and online

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.