Are you considering insuring your Porsche Macan in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Porsche Macan can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Porsche Macan costs around $2,824 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Macan might cost slightly less, around $2,584 per year, while insuring a 2018 model could be even more budget-friendly at $2,303 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Porsche Macan.
What is the cost to insure your Porsche Macan in 2025?
On average, insuring a Porsche Macan costs $234 per month – or $2,811 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Porsche Macan
Nationwide provides the most affordable car insurance for your Porsche Macan, with an average annual rate of $2,116, or $176 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Porsche Macan.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,116 | $1,058 | $176 |
| Progressive | $2,366 | $1,183 | $197 |
| State Farm | $2,685 | $1,342 | $224 |
| Geico | $2,735 | $1,368 | $228 |
| Allstate | $3,439 | $1,719 | $287 |
| Farmers | $3,601 | $1,801 | $300 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Porsche Macan car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Porsche Macan will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Porsche Macan, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2015 | $2,172 | $1,086 | $181 |
| 2016 | $2,239 | $1,119 | $187 |
| 2017 | $2,258 | $1,129 | $188 |
| 2018 | $2,303 | $1,151 | $192 |
| 2019 | $2,392 | $1,196 | $199 |
| 2020 | $2,472 | $1,236 | $206 |
| 2021 | $2,584 | $1,292 | $215 |
| 2022 | $2,707 | $1,353 | $226 |
| 2023 | $2,824 | $1,412 | $235 |
Porsche Macan car insurance rates for different trims
A Porsche Macan’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For example, higher trims like the Macan S, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Porsche Macan.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Macan | $2,686 | $1,343 | $224 |
| Macan T | $2,815 | $1,407 | $235 |
| Macan S | $2,931 | $1,465 | $244 |
Porsche Macan insurance rates: State-by-state breakdown
The cost of insuring a Porsche Macan vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Porsche Macan by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,421 | $1,211 | $202 |
| Alabama | $2,709 | $1,354 | $226 |
| Arkansas | $3,090 | $1,545 | $257 |
| Arizona | $2,682 | $1,341 | $224 |
| California | $3,129 | $1,565 | $261 |
| Colorado | $3,546 | $1,773 | $295 |
| Connecticut | $2,784 | $1,392 | $232 |
| Washington, D.C. | $3,306 | $1,653 | $276 |
| Delaware | $2,619 | $1,310 | $218 |
| Florida | $2,923 | $1,461 | $244 |
| Georgia | $3,128 | $1,564 | $261 |
| Hawaii | $1,874 | $937 | $156 |
| Iowa | $2,426 | $1,213 | $202 |
| Idaho | $1,892 | $946 | $158 |
| Illinois | $2,687 | $1,343 | $224 |
| Indiana | $2,609 | $1,305 | $217 |
| Kansas | $3,050 | $1,525 | $254 |
| Kentucky | $3,535 | $1,768 | $295 |
| Louisiana | $4,852 | $2,426 | $404 |
| Massachusetts | $2,584 | $1,292 | $215 |
| Maryland | $2,555 | $1,277 | $213 |
| Maine | $2,143 | $1,072 | $179 |
| Michigan | $3,646 | $1,823 | $304 |
| Minnesota | $3,219 | $1,609 | $268 |
| Missouri | $3,231 | $1,616 | $269 |
| Mississippi | $3,305 | $1,653 | $275 |
| Montana | $3,142 | $1,571 | $262 |
| North Carolina | $2,281 | $1,141 | $190 |
| North Dakota | $2,680 | $1,340 | $223 |
| Nebraska | $3,106 | $1,553 | $259 |
| New Hampshire | $2,266 | $1,133 | $189 |
| New Jersey | $2,613 | $1,307 | $218 |
| New Mexico | $2,933 | $1,466 | $244 |
| Nevada | $2,485 | $1,242 | $207 |
| New York | $2,037 | $1,019 | $170 |
| Ohio | $2,139 | $1,070 | $178 |
| Oklahoma | $3,055 | $1,527 | $255 |
| Oregon | $2,650 | $1,325 | $221 |
| Pennsylvania | $2,759 | $1,379 | $230 |
| Rhode Island | $3,175 | $1,587 | $265 |
| South Carolina | $2,704 | $1,352 | $225 |
| South Dakota | $3,505 | $1,752 | $292 |
| Tennessee | $3,076 | $1,538 | $256 |
| Texas | $3,889 | $1,944 | $324 |
| Utah | $2,204 | $1,102 | $184 |
| Virginia | $2,110 | $1,055 | $176 |
| Vermont | $2,245 | $1,122 | $187 |
| Washington | $2,049 | $1,024 | $171 |
| Wisconsin | $2,186 | $1,093 | $182 |
| West Virginia | $2,663 | $1,331 | $222 |
| Wyoming | $3,488 | $1,744 | $291 |
How your age impacts Porsche Macan insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $10,556 | $5,278 | $880 |
| Adults | $2,811 | $1,405 | $234 |
The bottom line
Knowing how much it costs to insure a Porsche Macan is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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