Cheapest Auto Insurance in Macon, Georgia (2025)

Auto-Owners offers the cheapest car insurance in Macon, with minimum-coverage policies as low as $75 per month.

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Cheapest recent rates near Macon, Georgia

Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $62/mo for full coverage in Macon and other Georgia cities.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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The average monthly cost of car insurance in Macon is $252, higher than Georgia’s state average of $201. Known for its architecture, museums, and rich history, Macon is a beautiful place to visit or call home.

Thanks to its geographical location in the center of Georgia, Macon has earned the nickname “the Heart of Georgia.” Being in the center of the state has made Macon a transportation hub, which can increase the amount of traffic. This might contribute to Macon’s more expensive car insurance rates.

Here’s what you should know about comparing quotes and finding cheap car insurance in Macon.

Quick Facts
  • The average cost of car insurance in Macon is $306 per month for full coverage and $197 per month for liability coverage.

  • Auto-Owners, State Farm, and COUNTRY Financial have the cheapest car insurance in Macon.

  • Macon drivers pay an average of $3,675 per year for full-coverage car insurance.

3 of the cheapest car insurance companies in Macon

Different factors influence the cost of car insurance, including age, gender, the type of car you drive, and your ZIP code.[1] How much you pay can also vary among insurance companies, as they use slightly different formulas to calculate insurance rates.

This is why it’s worthwhile to compare multiple insurers before selecting a policy. Ultimately, the insurance company that’s right for you will depend on your individual coverage needs and budget.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Hugo7.0N/A$278Cheap rates
Auto-Owners8.5$96$59Students
State Farm9.3$103$64Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$278/mo
4.1
Best choiceBased on 139 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (55)

Rebekah

March 18, 2025

Verified Review

Never Able to Speak with Customer Service, So I Switched!

I was never able to speak with someone, so I switched!

Latesha

March 16, 2025

Verified Review

Less Expensive

It's excellent, I just wish it was a little cheaper.

Larry

March 10, 2025

Verified Review

Good Experience

The experience was good, but it was becoming too expensive.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Launched in 2021, Hugo is one of the newest insurance companies. It’s also the only insurance company that offers pay-as-you-drive liability insurance. Hugo charges no up-front fees, and you can pause your coverage whenever you need just by sending a text. If you’re someone who only drives on certain days, or during a particular season, Hugo allows you to pay for only the coverage you need.

Pros
  • Short-term policies available

  • Flexible, pay-as-you-go insurance

Cons
  • Limited additional coverage

  • No discounts available

Best insurer for students: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo
4.0
Best choiceBased on 173 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (109)

Mike

March 27, 2025

Verified Review

Unexpected Rate Increase

The service was not satisfactory. Our rates were tripled without any notification.

Gerld

March 26, 2025

Verified Review

Worthwhile Insurance

My overall experience has been very good!

Sandra

March 24, 2025

Verified Review

Who is my agent?

The service is fair, but it depends on which function was performed.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners started in 1916 in Lansing, Michigan. For student drivers, Auto-Owners offers several student discounts, including a good student discount of up to 20% for students that maintain a grade point average of “B” or better. The student-away discount is available for students attending school more than 100 miles from home without a vehicle.

Pros
  • Plenty of coverage options

  • Multiple discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast

  • No online claims submission

Best insurer for families: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$129/mo
4.2
Best choiceBased on 10,263 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,650)

Yumiko

April 2, 2025

Verified Review

They don't consider my good driving history

The price keeps increasing excessively!

Misty

April 1, 2025

Verified Review

Love Working with John Fuller, Just Hate to Leave

I wish the prices were more affordable because I don't want to leave them.

Beulah

March 31, 2025

Verified Review

Paying Too Much

I've never had an accident, no tickets, and I'm 75 years old, but my insurance keeps going up. I feel like I'm paying for those who don't abide by the law. I also have their tracker monitoring and home coverage.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

With more than 100 years in insurance, State Farm ranks as the largest car insurance company in the U.S., according to data from the National Association of Insurance Commissioners (NAIC). State Farm offers customers a variety of insurance products, including home, small business, auto, and life insurance. With discounts for households insuring multiple cars and savings for customers who bundle insurance products, families have the opportunity to save with State Farm.

Pros
  • Above-average J.D. Power rating in the Southeast

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • Can’t purchase a policy online

How to get the cheapest car insurance in Macon

The cost of auto insurance can vary greatly between different companies based on several factors, including the type and amount of insurance you want, your age, marital status, gender, and the make and model of your vehicle.[1]

To find the cheapest rates in Macon, consider these tips:

  • Comparison shop. Since different insurance companies offer different rates, it’s a good idea to compare multiple companies if you want to secure a lower cost.

  • Look for discounts. Many companies offer car insurance discounts, including discounts for drivers who have taken a defensive driving course and good student discounts for young drivers who maintain good grades in school.

  • Drive a safe car. The make and model of your car influence your premiums. Driving a vehicle with high-quality safety equipment might help you secure a lower rate.

Find Cheap Car Insurance in Macon, Georgia

Liability rates start at $75 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Macon: Auto-Owners

Liability-only car insurance is typically the cheapest type of car insurance, and most states require it, including Georgia. If you cause an at-fault car accident, liability insurance covers the medical and property expenses of the other driver. Liability insurance doesn’t cover damage to your vehicle or your medical expenses.

The average cost of liability insurance in Macon is $197 per month.

The table below provides a list of insurance companies with the lowest rates for liability-only car insurance in Macon.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$75
State Farm$80
COUNTRY Financial$81
Allstate$87
USAA$94
Mile Auto$96
Progressive$117
GEICO$129
Mercury$146
Root$162
Clearcover$163
Safeco$189
Nationwide$192
Direct Auto$195
GAINSCO$204
Liberty Mutual$208
AssuranceAmerica$234
National General$242
Bristol West$267
The General$280
Foremost$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Macon: Auto-Owners

Full-coverage car insurance offers more financial protection than a liability-only policy. A full-coverage policy typically includes collision and comprehensive coverage.

Collision insurance covers the cost of damage to your car if you get in an accident with another vehicle or object and it’s your fault. Comprehensive coverage includes protection against events like theft, fire, or vandalism.

The average cost of full-coverage car insurance in Macon is $306 per month, but you can start your search for the cheapest insurers in the table below.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$120
State Farm$129
COUNTRY Financial$130
Allstate$141
USAA$151
Mile Auto$162
Progressive$205
GEICO$209
Safeco$229
Mercury$242
Root$256
Clearcover$294
Nationwide$312
Direct Auto$331
National General$350
Liberty Mutual$355
AssuranceAmerica$387
GAINSCO$404
Foremost$410
The General$463
Bristol West$498
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Macon, Georgia

Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $62/mo for full coverage in Macon and other Georgia cities.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

In Georgia, drivers must maintain liability insurance coverage and meet the minimum limits. Driving without insurance coverage can result in the suspension or revoking of your registration, fines, and other penalties. If you get in an accident or you’re pulled over, you must provide acceptable proof of insurance.

Georgia requires the following limits for liability coverage:[2]

Coverage
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Minimum Requirements
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Bodily injury liability$25,000 per person / $50,000 per incident
Property damage liability$25,000 per incident

While liability coverage is enough to drive legally in Georgia, it may not be enough coverage for everyone. Drivers in Georgia can also purchase additional auto insurance coverages, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers physical damage to your car from a collision or with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for non-collision events, including theft, falling objects, vandalism, and fire.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you get in a collision with a driver who doesn’t have insurance, uninsured/underinsured motorist insurance will help cover damages to your vehicle and injuries to you and your passengers.

Cheapest car insurance for drivers with an incident

Incidents include speeding tickets, driving under the influence, and at-fault accidents. Having incidents on your driving record can increase the cost of insurance. The amount your insurance rises in Macon depends on your insurance company and the severity of the incident.

In addition to higher insurance rates, you might also face license suspensions if you have a driving under the influence conviction.

Shop for Car Insurance in Macon, GA

Monthly rates start at $92 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

A speeding ticket can lead to higher insurance premiums because insurance companies see you as a higher risk. The average cost for drivers with a speeding ticket in Macon is $414 per month for full coverage and $266 for liability only.

If you get a speeding ticket in Macon, or anywhere in Georgia, you can also get a “Super Speeder” fine. Drivers ticketed going 75 mph or faster on a two-lane road, or 85 mph or faster on other highways or roads, will face a “Super Speeder” fine. This will add another $200 to the price of your speeding ticket.[3]

The following table includes the cheapest insurance companies for drivers with speeding tickets in Macon.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Auto-Owners$75$98
State Farm$80$101
COUNTRY Financial$81$107
Allstate$87$111
USAA$94$120
Mile Auto$96$121
Progressive$117$151
GEICO$129$165
Mercury$146$201
Root$162$227
Clearcover$163$209
Safeco$189$248
Nationwide$192$248
Direct Auto$195$252
GAINSCO$204$278
Liberty Mutual$208$284
AssuranceAmerica$234$295
National General$242$309
Bristol West$267$346
The General$280$372
Foremost$323$440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you cause an accident, you can expect your insurance premiums to go up. How much your insurance increases will vary between companies, but the increase will usually stay on your premium for three years. The average cost of car insurance for drivers in Macon with an at-fault accident on their record is $437 per month for full coverage and $281 for liability only.

Here are the cheapest car insurance companies for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Auto-Owners$75$102
State Farm$80$107
COUNTRY Financial$81$114
Allstate$87$117
USAA$94$127
Mile Auto$96$131
Progressive$117$161
GEICO$129$174
Mercury$146$214
Root$162$237
Clearcover$163$242
Safeco$189$265
Nationwide$192$261
Direct Auto$195$269
GAINSCO$204$265
Liberty Mutual$208$296
AssuranceAmerica$234$304
National General$242$322
Bristol West$267$361
The General$280$387
Foremost$323$460
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A first-offense DUI in Macon can lead to a yearlong license suspension. You’ll also face a minimum fine of $300 and up to $1,000, as well as 40 hours of community service, a $210 license reinstatement fee, and possible jail time. With a second offense, the consequences are even more severe.[4]

Having a DUI on your driving record can dramatically increase your insurance premiums, and, in some cases, your insurer might drop you. Drivers in Macon with a DUI on their records pay an average of $498 per month for full coverage and $321 for liability car insurance.

The table below highlights the cheapest insurance for drivers with a DUI in Macon.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Auto-Owners$75$122
State Farm$80$130
COUNTRY Financial$81$131
Allstate$87$141
USAA$94$153
Mile Auto$96$156
Progressive$117$190
GEICO$129$209
Mercury$146$228
Root$162$242
Clearcover$163$264
Safeco$189$301
Nationwide$192$312
Direct Auto$195$316
GAINSCO$204$331
Liberty Mutual$208$338
AssuranceAmerica$234$380
National General$242$393
Bristol West$267$433
The General$280$454
Foremost$323$524
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Car insurance rates typically decrease by age 35 and then start to increase again around age 70. This is because older drivers pose a high risk to insurers with fatal crash rates rising for drivers age 70 and older.[5] On average, Macon drivers in their 60s pay $158 a month for liability car insurance and $245 for full coverage.

The table below outlines the cheapest car insurance for seniors in Macon.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Auto-Owners$93$58
State Farm$98$61
COUNTRY Financial$105$65
Allstate$111$68
USAA$118$73
Mile Auto$120$71
Progressive$144$82
GEICO$163$100
Mercury$191$115
Safeco$193$159
Root$216$136
Nationwide$228$140
Direct Auto$251$148
Clearcover$252$140
National General$261$180
Liberty Mutual$289$169
AssuranceAmerica$291$176
Foremost$324$255
GAINSCO$329$166
The General$363$220
Bristol West$392$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: COUNTRY Financial

Teens pay the highest rates of vehicle insurance because they pose the highest risk to insurers compared to other age groups. On average, teen drivers in Macon pay $609 per month for full coverage and $392 for liability car insurance. 

Teens 16 to 19 years old have a fatal crash rate nearly three times higher than drivers age 20 and older, per mile driven. Factors that put teens at a higher risk include inexperience, distracted driving, speeding, and drinking alcohol.[6]

To try to keep the cost of teen insurance down, consider these tips:

  • Keep teens on their parents’ insurance policy. Rather than trying to get their own insurance policy, it’s cheaper for teens and young adults to stay on their parents’ policy.

  • Ask about a good grade discount. Some insurance companies offer discounts for teens who maintain good grades in school.

  • Raise your deductible. By raising your deductible, you can save more money on your insurance premium.

The following table shows the cheapest quotes for teen drivers in Macon.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
COUNTRY Financial$207$129
Auto-Owners$220$137
State Farm$247$153
Allstate$281$173
USAA$282$176
Mile Auto$343$203
GEICO$376$232
Progressive$392$223
Root$427$270
Mercury$467$282
Safeco$483$399
Nationwide$610$376
Clearcover$614$340
Liberty Mutual$660$387
Direct Auto$667$393
National General$737$510
AssuranceAmerica$763$461
GAINSCO$765$386
Foremost$798$629
The General$809$489
Bristol West$922$494
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Macon, GA

Liability rates cost an average of $197 per month

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Macon car insurance quotes by credit tier

In Macon, car insurers can use your credit history when determining your premiums, but it can’t be the only factor insurers use.

While you might think your credit score has nothing to do with how you drive, studies have found that credit scores are effective predictors of risk for auto insurance.[7] As a result, drivers with a good to excellent credit score typically pay lower premiums than drivers with a poor credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Macon?

Compared to the Georgia overall average of $201 per month, Macon drivers pay more for car insurance — an overall average of $252 per month. The cost of insurance can vary based on the state and city where you live.

Factors such as crime rate and population density can affect your insurance rate. For example, cities with higher population densities, including Macon and Savannah, tend to have higher rates than smaller cities, such as Valdosta and Albany.

More cities in Georgia

Here’s how the average cost of car insurance in Macon compares to average costs in other Georgia cities.

City
sort ascsort desc
Full Coverage
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Liability Only
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Albany$218$136
Atlanta$302$226
Columbus$235$147
Dallas$253$177
Gainesville$212$141
Lawrenceville$269$186
Marietta$254$185
Savannah$263$176
Valdosta$180$116
Woodstock$232$163
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Macon car insurance FAQs

Learn more about lowering your car insurance costs, and check out the answers to common questions about auto coverage in Macon, Georgia, below.

  • How much is car insurance in Macon?

    The average cost of car insurance in Macon is $306 per month for full coverage and $197 per month for liability coverage, according to Insurify data.

  • What company has the cheapest car insurance in Macon?

    The cheapest car insurance companies in Macon are Auto-Owners, State Farm, and COUNTRY Financial. They have monthly liability rates of $75, $80, and $81, respectively.

    But the cheapest insurer for you depends on your unique situation, coverage needs, and budget. It’s best to compare quotes from at least three different companies to find the cheapest auto coverage for you.

  • What are the best car insurance companies in Macon?

    The best car insurance companies in Macon include Auto-Owners and State Farm, which have strong Insurify Quality (IQ) Scores and decent customer satisfaction ratings. But the best insurer for you will depend on your coverage needs and budget, so take the time to shop around and compare quotes.

  • How much is car insurance in Georgia per month?

    The average cost of car insurance in Georgia is $245 per month for full coverage and $156 per month for liability coverage.

  • What’s the minimum car insurance for Georgia?

    Georgia’s car insurance requirements is 25/50/25, which translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. III. "What determines the price of an auto insurance policy?."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. State of Georgia. "Pay a Super Speeder Fine."
  4. Georgia Department of Driver Services. "DUI First Offense 21 and over."
  5. Insurance Institute for Highway Safety. "Older drivers."
  6. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  7. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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