Cheapest Auto Insurance in Macon, Georgia (2024)

The average monthly cost of car insurance in Macon is $254, 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.

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.

Best insurer for cheap rates: Hugo

Best insurer for students: Auto-Owners

Best insurer for families: State Farm

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 $188 per month.

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

Cheapest full-coverage car insurance in Macon: Hugo

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 per month, but you can start your search for the cheapest insurers in the table below.

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]

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.

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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 $466 per month for full coverage and $273 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.

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 $487 per month for full coverage and $285 for liability only.

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

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 $551 per month for full coverage and $323 for liability car insurance.

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

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 $146 a month for liability car insurance and $249 for full coverage.

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

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 $575 per month for full coverage and $337 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.

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 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.

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 $254 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.

Macon car insurance FAQs