Porsche Macan Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Porsche Macan than the average SUV.
• Full coverage for a Macan typically runs around $190 monthly, while liability only insurance rates come in at about $70 per month.
• Hugo is the most affordable auto insurance company for a Macan with a national average of just $21 monthly for liability only coverage.

Macan Overview

Coming in with a base MSRP of $60,200 for 2021 models, the Porsche Macan is a high-end SUV on the more expensive end of the spectrum. You'll have your choice of four different trim levels, so you'll drive off the dealership lot in style.

We ran through thousands of car insurance quotes on Compare.com, and we've found that average Porsche Macan auto insurance premiums run around $167 per month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Porsche Macan?

You can see in the table above that compared to other vehicles, Porsche Macan insurance prices are higher than average. Macan owners usually pay about $70 a month for liability insurance, and around $190 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other Porsche models, the Macan is slightly more affordable, with premiums about 7% lower than the rest of the automaker's vehicle offerings. Compared to SUV offerings from other brands, car insurance for a Macan runs close to average, with liability insurance prices $10 cheaper than other SUVs and full coverage insurance rates coming in $39 higher.

When compared to all vehicles of any body type, the Macan is more expensive for full coverage insurance, but liability only prices are cheaper.

Who has the Cheapest Car Insurance for a Porsche Macan?

If you're browsing for a new auto insurance policy for your Porsche Macan, you might want to know which carrier offers the most affordable prices. Although premiums can vary quite dramatically from policyholder to policyholder, Hugo provides the cheapest average rates for liability only coverage, with rates as little as $21 a month. The next lowest company is MetLife, who offers auto insurance as cheap as $34 per month.

Rounding out the list are Shelter Mutual, Commonwealth Casualty, and SafeAuto. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Porsche Macan.

After all, your results might be different, since car insurance companies look at a variety of different things when calculating premiums. There's only one way to make sure you find the cheapest possible rates, and that's by analyzing quotes from a wide array of insurance carriers.

What Factors Affect Car Insurance Rates for a Porsche Macan?

As we mentioned above, there are many factors that car insurance companies consider to choose how much they charge for insurance -- and each carrier weighs certain variables more than others, so there's not a singular company that's the most affordable for every Macan driver.

Below are just a few of the variables auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Porsche has been making the Macan for quite some time -- and that means the car's age may make a big difference in how much you'll pay for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Macans begin to depreciate, insurance costs will gradually go lower.

As you can see in the table above, the Porsche Macan bucks the trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest Macans are 2 to 3 years old.

Your Age

Age is another factor that makes a significant difference in how much you pay for car insurance. In the table above, you'll see that drivers under 24 pay more for auto insurance than those with more experience. In this case, drivers between 18 and 24 pay $37 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 35-44 making up the cheapest age group for the Macan.

Your Gender

Did you know men generally pay more for car insurance than women? This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim. When it comes to Macan drivers specifically, women pay around $17 less than men a month for insurance.

Where You Live

You were probably already aware that factors such as what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live is just as important. Because insurance is regulated at the state level, premiums change quite a bit from state to state.

For example, the average Porsche Macan owner in New York pays about $158 per month for liability coverage, while the same Californian driver will pay less than half of that price, on average.

Porsche Macan Car Insurance Discounts

Regardless of what state you live in, what vehicle you drive, or how old you are, it's always a smart move to take advantage of as many car insurance discounts as possible.

While no two auto insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments
• Multi-vehicle discounts for having several cars on your auto policy

These are just a few of the discounts out there. And often, the best way to save isn't through a "discount" at all, but rather by strengthening your overall insurance profile that carriers look at.

Even though you may not be able to control every variable car insurance carriers look at to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your advantage in order to save money on insurance:

Your Driving Record

You've no doubt heard ads from auto insurance companies posting big discounts for responsible drivers. It follows that if you get into an accident or get tickets for speeding, insurance rates will increase. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Macan drivers more than tickets, but both will result in a raise in rates. Porsche Macan drivers with a single accident on their record pay about $74 per month (up $4 from the $70/mo. overall average), while drivers with one ticket will pay an average of $46 monthly. Those with more than one of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the amount of miles you drive. Those who are on the roads less are more likely to go accident-free, so they'll normally end up spending less on auto insurance. In the table above, you can see that Porsche Macan owners who drive less than 2,500 miles pay $78 for car insurance, while those who drive between 5,000 and 7,500 miles each year pay an average of $52 a month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth getting pay-per-mile or usage-based auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Porsche Macans Compare to Other Vehicles?

If you're thinking about making a Porsche Macan your next purchase, it can pay off to do your homework. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Porsche Macan stacks up:

Overall, the Porsche Macan is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The Macan starts at $60,200, a bit more expensive than the national average vehicle MSRP of $46,296.

Unlike the Macan's higher price, insurance prices are slightly lower when compared to other vehicles on the market. Liability insurance for a Porsche Macan is around $9 per month less than average, while full coverage is $4 less per month.

However, it is worth noting that the Macan drivers tend to use their cars less than the average American driver, with only 8,586 annual miles for the average owner.

Porsche Macan Car Insurance Costs by Model Year

We've walked through many of the things that can have an impact on how much the average driver pays for car insurance. But if you're in thinking about buying a new car, truck, or SUV and the Macan is on your wishlist, having a good idea of exactly what you'll pay is extremely valuable as you weigh your choices.

2021 Porsche Macan Car Insurance

2021 Porsche Macan drivers can expect to pay an average of $72 monthly for liability or $165 for full coverage.

Mercury has rates sometimes as cheap as $47 per month for the 2021 Porsche Macan.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole range of personalized quotes from the nation's top insurance carriers.

2020 Porsche Macan Car Insurance

You can expect full coverage for a 2020 Macan to run about $189 monthly, while liability only coverage will average around $54 a month.

With premiums sometimes as little as $34 monthly, SafeAuto offered the most affordable policy we found for the 2020 Porsche Macan.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2019 Porsche Macan Car Insurance

It costs about $65 per month for liability or $187 for a full coverage policy for the 2019 Porsche Macan.

If you're looking for the cheapest possible 2019 Porsche Macan insurance policy, SafeAuto offered the lowest policy we found, with rates as low as $32 a month.

If you want to know exactly how much you can expect to pay for your Macan, just enter your ZIP code below and get free quotes in minutes.

2018 Porsche Macan Car Insurance

On average, drivers who own a 2018 Macan can expect to pay $60 to $201 per month for liability only and full coverage car insurance, respectively.

We found SafeAuto offered the cheapest policy, with rates as low as just $31 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

2017 Porsche Macan Car Insurance

The average cost to insure a 2017 Porsche Macan with liability only coverage is $67 a month, while full coverage runs around $182 monthly.

With prices as cheap as just $32 per month, Mercury offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2017 Porsche Macan, you can get free quotes in minutes by just entering your ZIP code below.

2016 Porsche Macan Car Insurance

It costs about $64 a month for liability or $194 for a full coverage policy for the 2016 Macan.

Hugo offered the most affordable policy we found, with rates sometimes as low as $21 per month.

Want to find the best rates? Just enter your ZIP code below to get several customized quotes for free.

2015 Porsche Macan Car Insurance

On average, drivers who own a 2015 Porsche Macan can expect to pay $96 to $191 monthly for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? Dairyland offered liability only coverage for as little as just $34 a month.

These average rates are a great starting point if you're in the market for a 2015 Porsche Macan, but there are a whole range of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

Porsche Macan Insurance FAQs

Is a Porsche Macan expensive to insure?

It costs more to insure a Porsche Macan when compared to the average vehicle. Liability insurance runs an average of $70 monthly, while full coverage will cost you around $190.

How can I get the best price on car insurance for my Porsche Macan?

The only way to be sure you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from numerous companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Porsche Macan affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually not the case. While there are many factors car insurance companies examine when they offer premiums, the color of your car is not one of them.

Do I need to have insurance before I buy a Porsche Macan?

Before you can legally drive your new (or new to you) Macan off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to let your car insurance company know before you buy.

What car insurance discounts can I get for my Porsche Macan?

You will find tons of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Porsche Macan you drive, but if your Macan has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to get in touch with your insurance carrier and ask about their discounts.