Estimates, not quotes

Audi Q7 vs Porsche Macan Insurance Cost

The Audi Q7 is cheaper to insure by about $130 a year for full coverage by our estimate ($1,570 vs. $1,700), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi Q7Porsche MacanDifference
State minimum$495$530−$35
Standard (100/300/100)$720$770−$50
Full coverage$1,570$1,700−$130

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Q7 minus Macan.

Why one costs more to insure

FactorAudi Q7Porsche Macan
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, DieselGasoline, Electric
HLDI collision (100 = avg)123151
HLDI comprehensive131117
HLDI property damage liability8090
HLDI bodily injury liability6570
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)43

Collision losses are the biggest swing factor: the Porsche Macan has 28 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Porsche Macan.

Q7 vs Macan insurance by state

StateQ7MacanDifference
Alabama$1,405$1,520−$115
Alaska$1,380$1,510−$130
Arizona$1,640$1,760−$120
Arkansas$1,450$1,555−$105
California$1,560$1,725−$165
Colorado$1,830$1,930−$100
Connecticut$1,625$1,770−$145
Delaware$1,675$1,815−$140
District of Columbia$1,995$2,175−$180
Florida$2,110$2,280−$170
Georgia$1,870$2,025−$155
Hawaii$1,100$1,210−$110
Idaho$1,075$1,165−$90
Illinois$1,385$1,500−$115
Indiana$1,135$1,230−$95
Iowa$1,140$1,200−$60
Kansas$1,325$1,400−$75
Kentucky$1,315$1,415−$100
Louisiana$2,155$2,320−$165
Maine$1,025$1,110−$85
Maryland$1,735$1,885−$150
Massachusetts$1,545$1,690−$145
Michigan$1,725$1,880−$155
Minnesota$1,360$1,445−$85
Mississippi$1,545$1,655−$110
Missouri$1,465$1,560−$95
Montana$1,330$1,400−$70
Nebraska$1,330$1,405−$75
Nevada$1,690$1,845−$155
New Hampshire$1,135$1,240−$105
New Jersey$1,805$1,970−$165
New Mexico$1,435$1,540−$105
New York$2,035$2,205−$170
North Carolina$1,225$1,330−$105
North Dakota$1,095$1,155−$60
Ohio$1,145$1,240−$95
Oklahoma$1,475$1,575−$100
Oregon$1,360$1,475−$115
Pennsylvania$1,410$1,530−$120
Rhode Island$1,840$2,005−$165
South Carolina$1,635$1,755−$120
South Dakota$1,325$1,370−$45
Tennessee$1,340$1,455−$115
Texas$1,910$2,040−$130
Utah$1,380$1,500−$120
Vermont$1,070$1,165−$95
Virginia$1,355$1,465−$110
Washington$1,330$1,445−$115
West Virginia$1,370$1,460−$90
Wisconsin$1,110$1,185−$75
Wyoming$1,350$1,400−$50

By driver profile (full coverage)

DriverQ7Macan
Teen driver (18, own policy)$4,320$4,675
Young adult (22)$2,515$2,720
Adult in their 30s$1,570$1,700
Adult in their 50s$1,445$1,565
Senior (72)$1,760$1,905
30s, one at-fault accident$2,280$2,465
30s, DUI on record$2,905$3,145

More comparisons

Frequently asked questions

Is the Audi Q7 or the Porsche Macan cheaper to insure?

By our estimate the Audi Q7 is cheaper, by about $130 a year for full coverage ($1,570 vs. $1,700) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi Q7 and Porsche Macan?

Mostly because of insurance-loss history: HLDI collision indices of 123 vs. 151 and comprehensive indices of 131 vs. 117 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page