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.
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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Cheapest recent rates near Macon, Georgia
Drivers in and around Macon, Georgia have found policies from The General, Kemper Standard, GAINSCO, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on October 3, 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 October 3, 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 October 3, 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 October 3, 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 $196. 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 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
$274
Cheap rates
Auto-Owners
8.5
$94
$59
Students
State Farm
9.3
$101
$64
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 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.
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.
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
I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.
Charles - September 28, 2024
Verified
Auto Owners Insurance
This is a good company. However, their rates have become too expensive.
Eddie - September 23, 2024
Verified
Agency is Great
They're great, except the rates have skyrocketed lately.
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.
The price just keeps rising. I can't continue with these high rates!
Mario - October 2, 2024
Verified
Okay Insurance, But Too Expensive
It's too expensive.
Donna - October 2, 2024
Verified
Buyer Beware!
State Farm's rates have doubled for me, and that's with absolutely no claims!
…
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average 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
Drivers in and around Macon, Georgia have found policies from Mile Auto, Kemper Economy, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on October 3, 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 October 3, 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 October 3, 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 October 3, 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 $97 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 $439 per month for full coverage and $259 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, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Hugo
$74
$94
Auto-Owners
$84
$109
State Farm
$90
$114
COUNTRY Financial
$91
$120
Allstate
$98
$126
Mile Auto
$99
$131
USAA
$104
$133
Progressive
$121
$155
Safeco
$128
$167
GEICO
$145
$186
Mercury
$150
$207
Clearcover
$158
$206
Elephant
$181
$252
Liberty Mutual
$181
$252
Direct Auto
$183
$235
AssuranceAmerica
$185
$240
GAINSCO
$202
$281
National General
$212
$273
Nationwide
$217
$281
The General
$276
$359
Foremost
$329
$457
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 $458 per month for full coverage and $270 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, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Hugo
$74
$107
Auto-Owners
$84
$114
State Farm
$90
$121
COUNTRY Financial
$91
$128
Allstate
$98
$133
Mile Auto
$99
$141
USAA
$104
$141
Progressive
$121
$166
Safeco
$128
$169
GEICO
$145
$197
Mercury
$150
$217
Clearcover
$158
$229
Elephant
$181
$240
Liberty Mutual
$181
$262
Direct Auto
$183
$253
AssuranceAmerica
$185
$248
GAINSCO
$202
$262
National General
$212
$289
Nationwide
$217
$296
The General
$276
$379
Foremost
$329
$477
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 $522 per month for full coverage and $308 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, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Hugo
$74
$122
Auto-Owners
$84
$138
State Farm
$90
$148
COUNTRY Financial
$91
$150
Allstate
$98
$162
Mile Auto
$99
$163
USAA
$104
$171
Progressive
$121
$199
Safeco
$128
$211
GEICO
$145
$239
Mercury
$150
$226
Clearcover
$158
$260
Elephant
$181
$298
Liberty Mutual
$181
$298
Direct Auto
$183
$302
AssuranceAmerica
$185
$305
GAINSCO
$202
$333
National General
$212
$349
Nationwide
$217
$358
The General
$276
$455
Foremost
$329
$542
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 $148 a month for liability car insurance and $251 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, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Auto-Owners
$98
$65
State Farm
$104
$69
COUNTRY Financial
$108
$71
Allstate
$117
$77
Mile Auto
$124
$73
USAA
$125
$81
Progressive
$149
$85
GEICO
$171
$113
Safeco
$172
$106
Mercury
$178
$114
Elephant
$207
$144
Hugo
$232
$58
AssuranceAmerica
$239
$137
Nationwide
$240
$159
Clearcover
$241
$129
Direct Auto
$256
$140
Liberty Mutual
$268
$148
National General
$269
$160
Foremost
$319
$256
GAINSCO
$338
$166
The General
$378
$221
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 $610 per month for full coverage and $360 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, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
COUNTRY Financial
$213
$140
Auto-Owners
$227
$150
State Farm
$244
$162
Allstate
$277
$182
USAA
$279
$183
Mile Auto
$339
$201
GEICO
$367
$243
Progressive
$397
$226
Safeco
$434
$267
Mercury
$443
$283
Elephant
$448
$312
Hugo
$514
$128
Clearcover
$595
$317
Nationwide
$596
$395
Liberty Mutual
$610
$337
AssuranceAmerica
$624
$358
Direct Auto
$638
$350
National General
$738
$437
GAINSCO
$754
$371
Foremost
$766
$614
The General
$797
$465
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
Secure. Free. Easy-to-use.
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 $196 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.
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 $243 per month for full coverage and $148 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.
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.