Cheapest Auto Insurance in Macon, Georgia (2024)

The cheapest liability-only car insurance company in Macon is Hugo, with average rates of $74 a 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 March 26, 2024

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The average monthly cost of car insurance in Macon is $254, higher than Georgia’s state average of $191. 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.

Quick Facts
  • The average cost of car insurance in Macon is $321 a month for full coverage and $188 a month for liability coverage.

  • In Macon, car insurers can use your credit score to determine your premiums.[1]

  • Macon has some of the most expensive car insurance rates in Georgia.

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.[2] 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly QuoteAverage Annual QuoteBest for
Hugo3.3$76$906Cheap rates
Auto-Owners4.0$100$1,200Students
State Farm4.5$107$1,284Families
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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
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.
$83/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 expensive 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 available

  • No discounts available

Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.
Read our Hugo review

Best insurer for students: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$86/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.
$124/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 available coverage options

  • Multiple available discounts

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

  • No online claims submission

Don - March 23, 2024
Verified

Excellent

Friendly and offers some money-saving options.
Read our Auto-Owners review

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$93/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.
$134/mo

With more than 100 years in insurance, State Farm ranks as the largest car insurance company in the U.S., according to the most recent 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

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

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.[2]

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

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Cheapest liability-only car insurance in Macon

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, Georgia, is $188 a month, and the cheapest insurer is Hugo, with average liability rates of $74 a 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, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo74
Auto-Owners86
State Farm93
COUNTRY Financial94
Allstate102
Mile Auto102
USAA108
Progressive126
Safeco136
Mercury143
GEICO149
State Auto149
Clearcover152
National General175
Liberty Mutual176
AssuranceAmerica179
Elephant183
Direct Auto187
GAINSCO201
Midvale Home & Auto218
Nationwide224
Infinity251
The General278
Foremost331
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

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 $321 a 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, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo83
Auto-Owners124
State Farm134
COUNTRY Financial136
Allstate147
USAA156
Mile Auto163
Progressive200
Travelers205
GEICO217
Mercury234
Safeco235
Elephant255
State Auto271
Clearcover274
AssuranceAmerica303
Midvale Home & Auto304
Liberty Mutual306
Direct Auto314
Nationwide318
National General361
Foremost393
GAINSCO407
Infinity452
The General464
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.

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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:[3]

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 coverage 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 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.

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Cheapest car insurance for drivers with a speeding ticket

A speeding ticket can lead to higher insurance premiums because insurance companies see you as a higher risk. The average cost of liability car insurance for drivers with a speeding ticket in Macon is $271 a month.

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.[4]

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, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
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

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 liability car insurance for drivers in Macon with an at-fault accident on their record is $282 a month.

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, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
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

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.[5]

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 $319 a month 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, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
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

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.[6] On average, Macon drivers in their 60s pay $145 a month for liability car insurance and $248 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, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners5174
State Farm5376
COUNTRY Financial5783
Progressive64101
Allstate6593
Mile Auto65104
USAA69100
GEICO92134
Mercury100163
Safeco101175
AssuranceAmerica109184
Liberty Mutual114198
Direct Auto116195
Elephant117162
Nationwide123175
National General128263
Clearcover137248
GAINSCO146296
The General200333
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

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 $335 a month 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.[7]

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, March 26 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo133149
COUNTRY Financial134193
Auto-Owners144207
State Farm159229
Allstate179258
USAA179258
Mile Auto196313
Progressive225357
GEICO235342
Safeco244421
Mercury264432
State Auto267486
Clearcover272491
Liberty Mutual298519
Elephant303423
National General334689
AssuranceAmerica342579
Direct Auto342574
GAINSCO362733
Nationwide383544
Infinity423762
The General444742
Foremost593704
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 $188 per month

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Macon car insurance quotes by credit tier

In Macon, car insurers can use your credit score 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.[1] 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 state of Georgia average of $191 per month, Macon drivers pay more for car insurance. 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 instance, 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Albany$131$205
Atlanta$204$257
Columbus$137$230
Dallas$177$249
Gainesville$131$224
Lawrenceville$170$262
Marietta$159$223
Savannah$178$265
Valdosta$107$169
Woodstock$150$230
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 $321 a month for full coverage and $188 a month for liability coverage.

  • What company has the cheapest car insurance in Macon?

    The cheapest car insurance companies in Macon are Hugo, Auto-Owners, and State Farm. 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 a month?

    The average cost of car insurance in Georgia is $238 a month for full coverage and $144 a month for liability.

  • 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.[3]

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. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance." Accessed September 14, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed September 14, 2023
  3. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance." Accessed September 14, 2023
  4. State of Georgia. "Super Speeder Fine." Accessed September 14, 2023
  5. Georgia Department of Driver Services. "DUI First Offense 21 and over." Accessed September 14, 2023
  6. Insurance Institute for Highway Safety. "Older drivers." Accessed September 14, 2023
  7. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed September 14, 2023
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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