Cheapest Auto Insurance in Macon, Georgia (2024)

Hugo offers the cheapest car insurance in Macon, with minimum-coverage policies as low as $74 per month.

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.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated July 11, 2024

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Cheapest recent rates near Macon, Georgia

Recent Macon, Georgia car insurance prices for Hyundai, Nissan, Ford , and more.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on July 11, 2024

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 July 11, 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 July 11, 2024

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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of car insurance in Macon is $252, higher than Georgia’s state average of $193. 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 $317 per month for full coverage and $187 per month for liability coverage.

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

  • Macon drivers pay an average of $3,807 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 CompanyIQ 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 CoverageLiability OnlyBest For
Hugo7.0N/A$57Cheap rates
Auto-Owners8.5$97$64Students
State Farm9.3$104$69Families
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 28,000 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

Compare personalized, real-time quotes
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.
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.
$74/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.
$298/mo

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

Read more driver reviews of Hugo
Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.

Makayla - June 24, 2024
Verified

New Insurance

The process was very easy and helpful for me.

Samuel - June 23, 2024
Verified

Does the job temporarily.

Hugo is a great 'pay as you go' insurance, although the total monthly cost is slightly higher than most. It allows you to pay only for the days you drive, but if your policy is not active (paid for) for over three days, your policy pricing may increase. Hugo does not provide a physical insurance card. You can only access your proof of insurance by visiting their website. Therefore, it's advisable to take a screenshot of your proof of insurance in case you lose internet access or the website is down. As a fully digital service, they do not have an app for Android or iPhone, only a website. Additionally, Hugo does not currently offer SR-22 coverage. Overall, Hugo is a good temporary insurance to have, but you might be better off with a monthly insurance plan, unless you rarely drive.

Best insurer for students: Auto-Owners

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User Reviews
3.8
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.
$84/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.
$127/mo

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

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$90/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.
$136/mo

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

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

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 $74 per month

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Cheapest liability-only car insurance in Macon: Hugo

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 $187 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$74
Auto-Owners$84
State Farm$90
COUNTRY Financial$91
Allstate$98
Mile Auto$99
USAA$104
Progressive$121
Safeco$128
GEICO$145
Mercury$150
Clearcover$158
Elephant$181
Liberty Mutual$181
Direct Auto$183
AssuranceAmerica$185
GAINSCO$202
Midvale Home & Auto$202
National General$212
Nationwide$217
The General$276
Foremost$329
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 $317 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$127
State Farm$136
COUNTRY Financial$138
Allstate$149
USAA$159
Mile Auto$167
Safeco$208
Progressive$212
GEICO$219
Mercury$235
Elephant$260
State Auto$285
Clearcover$296
Hugo$298
Midvale Home & Auto$311
AssuranceAmerica$323
Liberty Mutual$328
Nationwide$328
Direct Auto$334
National General$358
Foremost$410
GAINSCO$411
The General$473
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

Recent Macon, Georgia car insurance prices for GMC, Honda, Chevrolet , and more.

*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on July 11, 2024

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 July 11, 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 July 11, 2024

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 July 11, 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]

CoverageMinimum 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:

  • 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 $98 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Hugo

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 $454 per month for full coverage and $268 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$74$101
Auto-Owners$84$110
State Farm$90$116
COUNTRY Financial$91$121
Allstate$98$128
Mile Auto$99$136
USAA$104$135
Progressive$121$158
Safeco$128$169
GEICO$145$189
Mercury$150$209
Clearcover$158$208
Elephant$181$258
Liberty Mutual$181$258
Direct Auto$183$239
AssuranceAmerica$185$245
GAINSCO$202$288
Midvale Home & Auto$202$273
National General$212$276
Nationwide$217$285
The General$276$364
Foremost$329$470
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: Hugo

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 $482 per month for full coverage and $284 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$74$99
Auto-Owners$84$116
State Farm$90$124
COUNTRY Financial$91$130
Allstate$98$136
Mile Auto$99$147
USAA$104$144
Progressive$121$170
Safeco$128$172
GEICO$145$201
Mercury$150$220
Clearcover$158$233
Elephant$181$245
Liberty Mutual$181$272
Direct Auto$183$259
AssuranceAmerica$185$256
GAINSCO$202$269
Midvale Home & Auto$202$295
National General$212$295
Nationwide$217$303
The General$276$389
Foremost$329$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 car insurance for drivers with a DUI: Hugo

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 $545 per month for full coverage and $322 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$74$112
Auto-Owners$84$143
State Farm$90$153
COUNTRY Financial$91$155
Allstate$98$167
Mile Auto$99$151
USAA$104$177
Progressive$121$206
Safeco$128$218
GEICO$145$247
Mercury$150$231
Clearcover$158$269
Elephant$181$308
Liberty Mutual$181$308
Direct Auto$183$312
AssuranceAmerica$185$315
GAINSCO$202$344
Midvale Home & Auto$202$344
National General$212$361
Nationwide$217$369
The General$276$470
Foremost$329$560
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: Hugo

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 $144 a month for liability car insurance and $243 for full coverage.

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners$96$64
State Farm$102$67
COUNTRY Financial$105$69
Allstate$116$76
Mile Auto$122$72
USAA$122$80
Progressive$146$83
Safeco$164$101
GEICO$169$112
Mercury$172$110
Elephant$200$139
Hugo$205$51
Clearcover$229$122
Midvale Home & Auto$230$149
AssuranceAmerica$235$135
Nationwide$236$156
Direct Auto$249$137
Liberty Mutual$255$141
National General$269$159
Foremost$309$248
GAINSCO$328$161
The General$372$217
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: Hugo

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 $583 per month for full coverage and $344 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
COUNTRY Financial$206$136
Auto-Owners$221$146
State Farm$234$155
Allstate$265$174
USAA$268$175
Mile Auto$328$195
GEICO$351$232
Progressive$387$221
Mercury$432$276
Elephant$435$303
Safeco$436$268
Hugo$526$131
Midvale Home & Auto$544$353
Nationwide$570$377
Clearcover$581$310
AssuranceAmerica$607$348
Liberty Mutual$610$337
Direct Auto$616$338
National General$699$414
Foremost$738$592
GAINSCO$739$363
The General$775$452
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 $187 per month

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Based on 3,806+ reviews
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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 $193 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.

CityFull CoverageLiability Only
Albany$216$133
Atlanta$274$222
Columbus$239$140
Dallas$242$171
Gainesville$230$139
Lawrenceville$267$175
Marietta$246$174
Savannah$258$179
Valdosta$186$108
Woodstock$248$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 $317 per month for full coverage and $187 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 Hugo, Auto-Owners, and State Farm. They have monthly liability rates of $74, $84, and $90, 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 $241 per month for full coverage and $146 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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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