Estimates, not quotes

Porsche Macan Insurance Cost in Virginia

Insuring a Porsche Macan in Virginia costs about $1,465 a year ($122/month) for full coverage by our estimate — −14% versus the same car nationally — the 22nd cheapest of 51 states for this model.

Porsche Macan (photo from Wikimedia Commons)
Photo: Alexander-93, CC BY-SA 4.0
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

Porsche Macan insurance in Virginia at a glance

Full coverage
$1,465
$1,200–$1,730
50/100/25 minimum
$540
$45/mo
Same car nationally
$1,700
full coverage
Avg. car in VA
$1,370
+7% for the Macan

The Porsche Macan is 7% more expensive than the average vehicle to insure in Virginia, reflecting HLDI collision losses of 151 and comprehensive losses of 117 (100 = average). Virginia's own base rates are 13% lower than the national average, which carries through to every model.

Virginia factors that affect Macan premiums

  • Uninsured drivers: 12.9% of Virginia drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Macan.
  • Theft: 112 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Virginia's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.04 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Virginia →

Porsche Macan insurance cost in Virginia cities

CityFull coverageMinimumvs. state
Virginia Beach$1,540$570+5%
Chesapeake$1,505$555+3%
Richmond$1,580$585+8%
Norfolk$1,620$595+11%
Newport News$1,575$580+8%
Alexandria$1,780$655+22%
Hampton$1,565$575+7%
Suffolk$1,470$5450%
Roanoke$1,500$555+2%
Lynchburg$1,435$530−2%
Charlottesville$1,510$560+3%
Danville$1,450$535−1%
Fredericksburg$1,685$630+15%

Porsche Macan insurance in Virginia by driver

Estimated annual Porsche Macan premium in Virginia
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,490 $1,800 $4,030 $336
Young adult (22) $865 $1,045 $2,345 $195
Adult in their 30s $540 $655 $1,465 $122
Adult in their 50s $500 $600 $1,350 $113
Senior (72) $605 $735 $1,640 $137
30s, one at-fault accident $785 $950 $2,125 $177
30s, DUI on record $1,000 $1,210 $2,710 $226

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $540 $45 $445–$640
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $655 $55 $535–$770
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,465 $122 $1,200–$1,730

Virginia minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Virginia

ModelFull coverage in VAvs. Macan
BMW X5$1,455−1%
Audi Q7$1,390−5%
Audi Q5$1,325−10%
BMW X3$1,380−6%

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Estimated annual premium
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Porsche Macan insurance cost in every state · All Porsche models

Frequently asked questions

How much is Porsche Macan insurance in Virginia?

About $1,465 a year ($122 a month) for full coverage and $540 for Virginia's minimum liability, for a driver in their 30s with a clean record. That is 14% less than the national estimate for the same car.

Is the Porsche Macan cheaper to insure than the average car in Virginia?

The average vehicle in Virginia is about $1,370 a year for full coverage in our model, so the Porsche Macan is 7% more expensive than average.

Where in Virginia is Porsche Macan insurance cheapest?

Among the largest Virginia cities, Lynchburg has the lowest estimate (about $1,435) and Alexandria the highest (about $1,780).

What insurance do I need for a Porsche Macan in Virginia?

Virginia requires at least 50/100/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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