The best car insurance in Macon, GA

The average cost of a full coverage car insurance policy in Macon, Georgia is $1,838 per year. 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.

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

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.

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
31201	$1,856
31204	$1,850
31206	$1,870
31207	$1,825
31210	$1,865
31211	$1,814
31216	$1,805
31217	$1,838
31220	$1,819

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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	GEICO	Georgia Farm Bureau	State Farm
At-fault accident	$1,127	$1,721	$2,212	$1,749	$1,953
DUI	$1,569	$2,424	$4,387	$2,909	$1,804
Suspended license	$1,569	$2,298	$2,712	$2,909	$1,804
Open container	$1,569	$1,779	$1,432	$2,909	$1,804
Expired registration	$851	$1,495	$1,432	$1,426	$1,804
Driving without lights	$851	$1,495	$1,432	$1,426	$1,804
Not showing documents	$851	$1,495	$1,432	$1,426	$1,804
Running a red light	$851	$1,495	$1,432	$1,426	$1,804
Failure to yield	$851	$1,495	$1,432	$1,426	$1,804
Following too closely	$851	$1,495	$1,432	$1,426	$1,804
Hit and run	$1,569	$2,552	$4,387	$2,909	$1,804
Illegal turn	$851	$1,495	$1,432	$1,426	$1,804
Improper passing	$937	$1,495	$1,432	$1,426	$1,804
Not-at-fault accident	$851	$1,210	$1,272	$1,426	$1,655
Passing a school bus	$937	$1,779	$2,712	$1,426	$1,804
Racing	$1,081	$2,424	$2,712	$2,415	$1,804
Reckless driving	$1,569	$1,779	$2,712	$2,415	$1,804
Speeding	$1,081	$1,495	$2,712	$1,426	$1,804

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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.

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

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: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• 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.