The best car insurance in Macon, GA

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of a full coverage car insurance policy in Macon is $1,751 per year. That's $126 more expensive than the statewide average in Georgia. But lots of factors go into determining the rates that drivers pay for insurance — if you drive an expensive car or have speeding tickets on your driving record, then you’ll probably pay more for your car insurance, while safe drivers pay less.

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The best way to find affordable coverage is to shop around. Policygenius can help you see and compare quotes from top companies so you can choose the coverage options that work best for you (and your wallet).

Key takeaways

  • Auto-Owners Insurance has the lowest average rates in Macon at $1,151 per year for full coverage car insurance

  • 31216 has the cheapest car insurance on average of any ZIP code in Macon, at $1,712 per year

  • Georgia’s minimum liability car insurance requirements are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability

Cheapest car insurance companies in Macon, GA

Insurance companies all use the same information to set rates. Personal data such as your age, location, and driving record all go into the mix. But how carriers use that personal data varies, and that’s why insurance rates can be so different company-to-company. Below are rates from the five cheapest car insurance companies in Macon.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$1,151

865

USAA

$1,160

890

COUNTRY Financial

$1,312

--

Farm Bureau

$1,388

--

Central Insurance

$1,452

--

Cheapest car insurance rates by ZIP code in Macon, GA

Your ZIP code is one of the biggest factors used to establish your car insurance rates. Drivers in a neighborhood with high rates of car theft will pay more for coverage. Other factors like the number of accident claims and access to secured parking can also impact rates.

Below are the cheapest average rates by ZIP code in Macon.

ZIP code

Average cost

31216

$1,712

31211

$1,724

31220

$1,732

31207

$1,738

31204

$1,763

31217

$1,764

31210

$1,769

31201

$1,769

31206

$1,788

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Choosing the right car insurance company in Macon, GA

Choosing the right car insurance company is an important decision for you and your family. You want a low rate, but you should also make sure you’re getting the right coverage and choosing an insurer with solid customer service. Policygenius can help you sift through the distractions and see quotes from top companies.

Car insurance rates for drivers with driving violations in Macon, GA

Drivers who receive a speeding ticket can expect their rates to increase by hundreds of dollars, and too many points on your license can make your insurance unaffordable. 

Likewise, a driver with a DUI conviction can often see their insurance rates double. Below are the average rates for Macon drivers with speeding tickets or other moving violations.

Violation

Auto-Owners Insurance

USAA

COUNTRY Financial

Farm Bureau

Central Insurance

At-fault accident

$1,534

$1,749

$1,836

$1,694

$2,309

DUI

$2,165

$2,451

$2,244

$2,814

$3,242

Suspended license

$2,165

$2,325

$2,244

$2,814

$3,242

Open container

$1,140

$1,802

$1,898

$2,814

$3,242

Expired registration

$1,140

$1,516

$1,898

$1,382

$1,881

Driving without lights

$1,140

$1,516

$1,898

$1,382

$1,990

Running a red light

$1,140

$1,516

$1,898

$1,382

$1,990

Following too closely

$1,140

$1,516

$1,898

$1,382

$1,990

Hit and run

$2,165

$2,578

$2,244

$2,814

$3,242

Not-at-fault accident

$1,140

$1,227

$1,444

$1,382

$1,556

Passing a school bus

$1,263

$1,802

$1,898

$1,382

$1,990

Reckless driving

$2,165

$1,802

$2,244

$2,336

$3,242

Speeding

$1,468

$1,516

$1,898

$1,382

$1,990

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Cheapest car insurance for drivers with bad credit in Macon, GA

Many insurance companies use your credit rating as a factor when determining insurance rates, a low score means you’re in a higher risk category and are likely to file a claim. But some companies will still offer affordable rates to drivers with poor credit. The table below shows the cheapest average rates for drivers in Macon with bad credit.

Company

Rates for drivers with bad credit

GEICO

$1,841

COUNTRY Financial

$2,070

USAA

$2,213

Nationwide

$2,299

Allstate

$2,367

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Buying car insurance in Macon, GA

The state minimum insurance requirements in Georgia are 25/50/25. Here’s what those numbers mean:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $25,000

  • Motor vehicle owners and lessees are required by law to maintain continuous liability insurance coverage on vehicles with active registrations in Georgia

These amounts might seem like a lot, but when you consider the replacement cost of a new or used vehicle in a tight market, you might want to consider adding even more coverage. And if you lease or have a loan on your car, you’re probably required to add comprehensive and collision coverage to your policy.

Georgia is a fault state when it comes to car accidents. This means that if you are the cause of a wreck, your insurance company must pay for the victim’s repairs and any medical bills (up to the limits in your policy).

How to get cheap car insurance in Macon, GA

Many providers offer various discounts to reduce premiums. Here are some of the most common:

  • Bundling discount: For combining policies (like auto and home insurance) with the same company

  • Good student discount: For young drivers who maintain a B average or better while attending high school or college full time.

  • Paid in full discount: For paying your premium in full instead of monthly installments.

  • Safe-driver discount: For drivers with no accident claims during a given timeframe

Frequently asked questions

Is car insurance in Georgia expensive?

Car insurance rates in Georgia are just $13 cheaper than the national average, but drivers can save money on car insurance by comparing quotes from multiple companies.

What is minimum insurance coverage in Georgia?

Georgia state law requires drivers to have a minimum of 25/50/25 in liability car insurance. Full coverage isn't required by law, but drivers who have a lease or loan may be required by their contract to have both comprehensive and collision insurance.

Is Georgia an at-fault state?

Georgia is an a-fault state, which means that the driver who is responsible for an accident is financially responsible for all bodily injury and property damage costs caused by that accident. If you are at fault for an accident and don't have enough liability insurance, you will be required to pay the additional costs out of pocket.

How much is car insurance per month in Georgia?

The average cost of car insurance in Georgia is $135 per month, or $1,625 per year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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