If you’re looking for insurance for your Porsche Macan in 2025, you’re in the right place. Car insurance rates for the Porsche Macan depend on factors like your driving record, location and car 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?
The average cost to insure a Porsche Macan is $234 per month, or $2,811 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
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.
The table below shows the average annual insurance costs for various model years of the Porsche Macan, helping you understand how insurance premiums vary with the car’s age.
| 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 |
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Porsche Macan car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Porsche Macan. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Macan S, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various 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 to insure a Porsche Macan can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Porsche Macan car insurance rates for different states in the table below.
| 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
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
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.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 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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