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 $1,824 a year for full coverage. Comprehensive costs on average $392, collision costs $832, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $3,994. Teenage drivers cost the most to insure at $6,686 a year or more.

Average premium for full coverage: $1,824

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Macan models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should get quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Porsche Macan insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,010
• Choosing higher $1,000 deductibles can save around $276 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,824
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $2,368
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,994 or more
• Policy cost that insures a 16-year-old driver for full coverage may cost $6,686 each year

View Chart as Image

Insurance rates for a Porsche Macan also range considerably based on the model of your Macan, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,200 to $3,000 additional every year, depending on your age. Porsche Macan insurance for high-risk drivers ranges from 45% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Porsche Macan insurance prices. A good driver about age 40 could pay as low as $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,600 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $820 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.

How to Find Affordable Porsche Macan Insurance

Finding cheaper rates on insurance for a Porsche Macan takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least every other year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief review of the car insurance concepts touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,170 more each year than a safer driver
• Drivers can save as much as $230 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $825 each year
• Insureds who require an increased level of liability coverage will pay an extra $490 each year to raise limits 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.