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.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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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 $60/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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average monthly cost of car insurance in Macon is $250, higher than Georgia’s state average of $198. 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 $194 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 $3,672 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
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Hugo
7.0
N/A
$273
Cheap rates
Auto-Owners
8.5
$93
$58
Students
State Farm
9.3
$100
$63
Families
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.
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.
$273/mo
4.1
Best choiceBased on 128 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
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 excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (50)
Lachica
December 24, 2024
Verified Purchase
Hugo is the Best and Most Affordable Insurance I've Ever Had
I never had a problem with Hugo. It's just challenging to maintain it with a single income.
Natalie
December 5, 2024
Verified Purchase
Great! Affordable Insurance!
Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.
Marcus
December 2, 2024
Verified Review
Bad Company
They never sent the state a record that I had insurance.
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.
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.
$73/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.
$117/mo
4.0
Best choiceBased on 147 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
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
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.
$78/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.
$126/mo
4.2
Best choiceBased on 9,279 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,097)
Roy
December 25, 2024
Verified Review
My State Farm
Know the coverages you need for auto and home.
Andrew
December 24, 2024
Verified Review
Drive Sensors are a Scam
Their 'Drive Safe and Save' setup is a scam that kills my discount. No matter how gently I brake, it registers it as a hard brake. Even when I present them with dash cam video that has the same timestamp and GPS location, they claim their inexpensive device is more accurate than my high-end dash cam.
Mary
December 23, 2024
Verified Review
Rob Becker State Farm is Perfect!
Rob Becker is wonderful! He always answers my calls and provides excellent service. My car has never been in better hands!
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 $73 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $194 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$73
State Farm
$78
COUNTRY Financial
$80
Allstate
$86
USAA
$92
Mile Auto
$96
Progressive
$115
Safeco
$124
GEICO
$128
Mercury
$139
Clearcover
$163
Liberty Mutual
$179
Nationwide
$189
Direct Auto
$191
GAINSCO
$201
AssuranceAmerica
$215
National General
$231
The General
$277
Infinity
$278
Foremost
$314
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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$117
State Farm
$126
COUNTRY Financial
$128
Allstate
$138
USAA
$148
Mile Auto
$163
Safeco
$192
GEICO
$205
Progressive
$205
Mercury
$227
Clearcover
$292
Nationwide
$306
Liberty Mutual
$318
Direct Auto
$326
National General
$347
AssuranceAmerica
$364
GAINSCO
$398
Foremost
$408
The General
$472
Infinity
$495
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 $60/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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. 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
▲▼
Minimum Requirements
▲▼
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:
Collision coverage
Collision insurance covers physical damage to your car from a collision or with another vehicle or object.
Comprehensive coverage
Comprehensive insurance pays for non-collision events, including theft, falling objects, vandalism, and fire.
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 $91 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $425 per month for full coverage and $270 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Auto-Owners
$73
$96
State Farm
$78
$100
COUNTRY Financial
$80
$107
Allstate
$86
$111
USAA
$92
$119
Mile Auto
$96
$125
Progressive
$115
$148
Safeco
$124
$162
GEICO
$128
$166
Mercury
$139
$192
Clearcover
$163
$212
Liberty Mutual
$179
$249
Nationwide
$189
$247
Direct Auto
$191
$248
GAINSCO
$201
$279
AssuranceAmerica
$215
$277
National General
$231
$300
The General
$277
$366
Infinity
$278
$372
Foremost
$314
$437
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 $452 per month for full coverage and $287 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Auto-Owners
$73
$101
State Farm
$78
$106
COUNTRY Financial
$80
$115
Allstate
$86
$118
USAA
$92
$127
Mile Auto
$96
$135
Progressive
$115
$160
Safeco
$124
$170
GEICO
$128
$176
Mercury
$139
$205
Clearcover
$163
$241
Liberty Mutual
$179
$262
Nationwide
$189
$262
Direct Auto
$191
$269
GAINSCO
$201
$265
AssuranceAmerica
$215
$288
National General
$231
$317
The General
$277
$389
Infinity
$278
$375
Foremost
$314
$459
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 $513 per month for full coverage and $325 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Auto-Owners
$73
$121
State Farm
$78
$130
COUNTRY Financial
$80
$133
Allstate
$86
$143
USAA
$92
$153
Mile Auto
$96
$160
Progressive
$115
$191
Safeco
$124
$186
GEICO
$128
$213
Mercury
$139
$215
Clearcover
$163
$271
Liberty Mutual
$179
$298
Nationwide
$189
$314
Direct Auto
$191
$318
GAINSCO
$201
$334
AssuranceAmerica
$215
$358
National General
$231
$384
The General
$277
$461
Infinity
$278
$462
Foremost
$314
$522
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 $152 a month for liability car insurance and $239 for full coverage.
The table below outlines the cheapest car insurance for seniors in Macon.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Auto-Owners
$90
$56
State Farm
$95
$59
COUNTRY Financial
$101
$63
Allstate
$108
$67
USAA
$115
$71
Mile Auto
$119
$70
Progressive
$144
$81
GEICO
$159
$99
Safeco
$160
$103
Mercury
$175
$107
Nationwide
$222
$137
Clearcover
$246
$138
Direct Auto
$246
$144
National General
$257
$171
Liberty Mutual
$259
$146
AssuranceAmerica
$267
$158
Foremost
$317
$244
GAINSCO
$324
$164
Infinity
$370
$208
The General
$371
$218
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 $386 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
COUNTRY Financial
$203
$127
Auto-Owners
$213
$133
State Farm
$236
$146
Allstate
$268
$167
USAA
$271
$168
Mile Auto
$340
$200
GEICO
$359
$224
Progressive
$389
$218
Safeco
$393
$254
Mercury
$434
$266
Clearcover
$579
$323
Nationwide
$582
$360
Liberty Mutual
$591
$332
Direct Auto
$645
$378
AssuranceAmerica
$722
$426
National General
$734
$489
GAINSCO
$744
$376
Foremost
$786
$605
The General
$819
$480
Infinity
$961
$540
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 $194 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 $198 per month, Macon drivers pay more for car insurance — an overall average of $250 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.
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 $194 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 $73, $78, and $80, 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 $244 per month for full coverage and $152 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.
Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
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.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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