Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Porsche Macan? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Porsche Macan insurance facts

  • Average full coverage auto insurance premium: $193/month

  • Most affordable companies: GEICO ($156/month) & American Family ($161/month)

  • Macan car insurance cost vs. average rate: $217 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Porsche Macan by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Porsche Macan insurer costs by state:

Risk factors affecting Porsche Macan car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Porsche Macan car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Porsche models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Porsche Luxury Automobile Brand

Porsche is a luxury automobile brand specializing in high-performance sports cars, SUVs, and sedans owned by Volkswagen Group. Porsche’s target market is high-income (150K+), 85% male and 15% female 40 years and older in the United States market. Currently, Porsche is targeting younger consumers from 25 to 40 years of age. Most Porsche customers reside in Arizona, CaliforniaFloridaNevadaNew Mexico, New York, Oregon, and Texas. All Porsche automobiles have never been crash test rated by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS). The most popular models are the Panamera, Cayenne, and the Boxster.

Higher than average Macan repair costs equal higher insurance rates

Many consumers are attracted to Porsche automobiles for speed, luxury, and driver-assist technologies, such as the InnoDrive system. Specialized import repair shops sell automotive parts around the United States. According to Motor1, Porsche is one of the most expensive vehicles to maintain, and some customers claiming $400 for an oil change. Repair parts for ToyotaHonda, and Subaru can be 187 to 432% less expensive. Repairing a Porsche is higher than average since repair parts are more costly and not as available as popular vehicles. For this reason, many Porsche’s are going to have higher than average car insurance rates to similar cars in its class.

Fast depreciation for Porsche Macan affecting auto policies

Most Porsche models have higher than average depreciating value, except for the Panamera, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Porsche models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

No IIHS and NHTSA safety ratings increasing car insurance rates for drivers

Porsche vehicles have never been crash-test rated, which increases car insurance rates for drivers. Porsche’s are known for their excellent safety features such as Porsche Active Safe or PAS to reduce the effects of a forward collision. With safety features and driver-assist technology (InnoDrive), drivers with a good driving record can get 10 to 15% driver discounts for passive restraints and safety features in Porsche models. With the lack of the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick” and the NHTSA 5-star rating, Porsche customers are in the dark concerning safety and increased car insurance rates for automobile owners.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Porsche automobile owners when buying a car insurance policy.

2021 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Allied$3218
Allstate$2946
American Family$1921
Amica$3457
Auto-Owners$2016
Country Financial$2337
Direct Auto$2549
Erie$2230
Farmers$2465
GEICO$1876
Liberty Mutual$2249
Mercury$2814
MetLife$3164
Nationwide$2419
Plymouth Rock$2648
Progressive$3016
Safe Auto$3105
State Farm$2430
Tennessee Farmers$2730
Texas Farm Bureau$2248
Travelers$2497
USAA$2173

Compare all 2021 Porsche Macan rates

Average Cost to Insure Per Year

$2324

List Price

$52100

Trims Available

Base - S - GTS - Turbo with a 375-hp turbocharged 2.9-liter V-6 engine - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor, Tire Specific Low Tire Pressure Warning

2020 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2790
American Family$2049
Auto-Owners$1814
Erie$1934
Farmers$2247
GEICO$1867
Mercury$2564
MetLife$3727
Nationwide$2053
Progressive$2987
Safe Auto$3329
State Farm$2145
Tennessee Farmers$2419
Travelers$2365
USAA$1953
Vermont Mutual$3429

Compare all 2020 Porsche Macan rates

Average Cost to Insure Per Year

$2216

List Price

$50900

Trims Available

Base - S - GTS - Turbo with a 375-hp turbocharged 2.9-liter V-6 engine - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor, Tire Specific Low Tire Pressure Warning

2019 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2735
American Family$2126
Auto-Owners$1920
Direct Auto$2691
Erie$1823
Farmers$2256
GEICO$1845
Liberty Mutual$2035
MetLife$3718
Nationwide$2168
Progressive$2864
Safe Auto$3325
State Farm$2235
Tennessee Farmers$2487
Travelers$2319
USAA$2086
Vermont Mutual$3419

Compare all 2019 Porsche Macan rates

Average Cost to Insure Per Year

$2178

List Price

$50950

Trims Available

Base - S - GTS - Turbo with a 375-hp turbocharged 2.9-liter V-6 engine - With Driver Assist Technologies - Adaptive cruise control, Parking assistance systems, Lane change assist, Traffic sign recognition, Traffic jam assistant, Light assistance systems with Porsche Active Safe (PAS) and Safety Features - Porsche Stability Management (PSM) Electronic Stability Control (ESC), ABS And Driveline Traction Control, Side Impact Beams, Dual Stage Driver And Passenger Seat-Mounted Side Airbags, ParkAssist Front And Rear Parking Sensors, Airbag Occupancy Sensor, Tire Specific Low Tire Pressure Warning

2018 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1537
Acuity$ 1537
Allied$ 1536
Allied$ 1536
Country$ 1733
Country$ 1733
Erie$ 1374
Erie$ 1374
GEICO$ 1837
GEICO$ 1837
Mercury$ 1397
Mercury$ 1397
Nationwide$ 1634
Nationwide$ 1634
Plymouth Rock Insurance$ 1610
Plymouth Rock Insurance$ 1610
Progressive$ 1278
Progressive$ 1278
Tennessee Farmers$ 1337
Tennessee Farmers$ 1337
USAA$ 1414
USAA$ 1414
Vermont Mutual$ 1643
Vermont Mutual$ 1643

Compare all 2018 Porsche Macan rates

Average Cost to Insure Per Year

$ 1896

List Price

$ 47800

Trims Available

Base - S - GTS - Turbo

2017 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1508
Acuity$ 1508
Allied$ 1559
Allied$ 1559
Country$ 1674
Country$ 1674
Erie$ 1329
Erie$ 1329
Mercury$ 1369
Mercury$ 1369
Nationwide$ 1670
Nationwide$ 1670
Plymouth Rock Insurance$ 1551
Plymouth Rock Insurance$ 1551
Progressive$ 1288
Progressive$ 1288
Tennessee Farmers$ 1344
Tennessee Farmers$ 1344
Texas Farm Bureau$ 1208
Texas Farm Bureau$ 1208
USAA$ 1440
USAA$ 1440
Vermont Mutual$ 1553
Vermont Mutual$ 1553

Compare all 2017 Porsche Macan rates

Average Cost to Insure Per Year

$ 1569

List Price

$ 47500

Trims Available

Base - S - GTS - Turbo

2016 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1452
Acuity$ 1452
Allied$ 1444
Allied$ 1444
Country$ 1601
Country$ 1601
Erie$ 1250
Erie$ 1250
Mercury$ 1355
Mercury$ 1355
Nationwide$ 1614
Nationwide$ 1614
Plymouth Rock Insurance$ 1514
Plymouth Rock Insurance$ 1514
Progressive$ 1363
Progressive$ 1363
Tennessee Farmers$ 1298
Tennessee Farmers$ 1298
Texas Farm Bureau$ 1206
Texas Farm Bureau$ 1206
USAA$ 1349
USAA$ 1349
Vermont Mutual$ 1465
Vermont Mutual$ 1465

Compare all 2016 Porsche Macan rates

Average Cost to Insure Per Year

$ 1484

List Price

$ 52600

Trims Available

S - Turbo

2015 Porsche Macan

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1411
Acuity$ 1411
Allied$ 1449
Allied$ 1449
Country$ 1572
Country$ 1572
Erie$ 1147
Erie$ 1147
Mercury$ 1339
Mercury$ 1339
Nationwide$ 1623
Nationwide$ 1623
Plymouth Rock Insurance$ 1443
Plymouth Rock Insurance$ 1443
Progressive$ 1481
Progressive$ 1481
Tennessee Farmers$ 1390
Tennessee Farmers$ 1390
Texas Farm Bureau$ 1173
Texas Farm Bureau$ 1173
USAA$ 1293
USAA$ 1293
Vermont Mutual$ 1420
Vermont Mutual$ 1420

Compare all 2015 Porsche Macan rates

Average Cost to Insure Per Year

$ 1445

List Price

$ 49900

Trims Available

S - Turbo