Macon, GA Auto Insurance | Cheap Car Insurance in Macon, GA

Because of a lower risk of an auto accident or theft in Macon, GA, Macon drivers pay less than an urban resident in GA. Macon drivers can buy Macon, GA, auto insurance averaging $40/mo or less — if they know how to compare Macon auto insurance quotes. Use our FREE comparison tool below to compare the top Macon, GA auto insurance companies

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can't-Miss Facts

  • Georgia requires drivers to carry 25/50/25 in liability auto insurance coverage.
  • The average cost of Georgia auto insurance is $1,097 per year.
  • Nationwide, Allied, and The Hartford offer auto insurance rates that are among the lowest in Macon, GA.

You can find cheap Macon, GA auto insurance through various searches on the internet. However, we’ve done the research and found cheap insurance in Macon, Ga.

Cheap car insurance in Macon, GA, is offered by Nationwide with rates as low as $36 per month. Georgia auto insurance requires drivers to carry 25/50/25 in liability coverage. However, we recommend carrying more than the Macon, GA, car insurance minimum, or you may find yourself in trouble if you have an accident.

Do you require cheap car insurance in Georgia with a low down payment? can help you find affordable Macon, GA, auto insurance. All you need to do is enter your ZIP code in the quote above.

Georgia Auto Insurance Coverage Requirements

If you want to drive legally in Georgia, you must purchase at least:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Keep in mind that just because Comprehensive, Collision and other forms of coverage aren’t required doesn’t mean you shouldn’t look into them. The extra expense could be worth it in the long run.

Watch this news report on Georgia car insurance increases.

Typical Georgia motorists can expect to pay around $183 per month for the average automotive policy. However, Macon residents can buy Macon, GA, auto insurance as cheap as $40/mo* or less – if they know how to navigate the complicated waters of Automotive insurance shopping.

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Cheapest Car Insurance in Macon, GA

Macon, GA Average Monthly Auto Insurance RatesLegend: Macon The Hartford Nationwide State Farm Allied Allstate 510152025303540$38$36$43$37$44

There are a variety of companies offering rates, such as:

  • The General Insurance Macon, GA
  • Macon, Georgia Progressive auto Insurance
  • Allstate Insurance in Macon, GA, and more

The Hartford, Nationwide, and Allied are offering the most competitive Macon, GA, auto insurance rates, as reflected in the chart above.

But that monthly rate doesn’t show how good their customer service is, or how efficient their claims service can be. Be sure to consider all the factors when shopping for a cheaper automotive policy.

Organizations that offer insurance coverage consider different factors when figuring out Macon, GA, auto insurance quotes, particularly driving experience, where you live, your credit history, education, and business use of the vehicle.

Also, remember that premiums differ from carrier to carrier. To make sure you are still getting the cheapest premium, examine affordable Georgia automotive insurance prices via the internet.

Try other auto insurance companies, also. Budget auto insurance quotes could be cheaper, or Direct Auto insurance company may save you money.

Check out companies like The General auto insurance as your Macon, GA, auto insurance company. If you don’t drive much at all, think about using a usage-based insurance option like Root Insurance.

Major Factors in Cheap Auto Insurance in Macon, Georgia

You may feel a bit powerless when your insurance agency is calculating your rate; let’s be honest, almost all the elements that they analyze aren’t items you can potentially change or control. Fortunately, however, there are various items that you may be in a position to adjust for higher discounts.

Your ZIP Code

Where you park your car each night will likely have a serious influence on your automobile insurance rate.

Generally, vehicle insurance is cheaper in rural regions because a lesser number of cars signifies a smaller chance that you’ll get into a wreck with another vehicle. The population of Macon is 89,981, and also the common family earnings are $24,623.

According to Neighborhood Scout, Macon has a crime index of three, where 100 is considered the safest.

Macon, GA Average Monthly Auto Insurance Rates by Credit HistoryLegend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 1020304050607080$20$74$28$37$34$81$27$40$32$57

Automotive Accidents

If your ZIP code has a lot of fatal accidents each year, it may very well have an impact on your insurance premiums, and not for the better. As you can see in the chart above, Macon had several accident-related fatalities in 2013. This is likely to drive up premiums.

Fatal Accidents in Macon, GALegend: Macon Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 510152025303540451930121458

Auto Thefts in Macon

Anti-theft devices are usually a powerful way to protect yourself from auto theft. These are relatively inexpensive, very easy to get mounted, and, once equipped, need no work by you. And best of all, most Macon, GA auto insurance companies will give you a discount on your vehicle insurance simply for having one! Within Macon, they had 489 auto thefts in 2013. To protect yourself from theft, talk to your agent about Comprehensive coverage.

Macon, GA Average Monthly Basic vs. Comprehensive Auto RatesLegend: Basic Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110$45$82$47$76$48$89$48$84$59$113

Your Credit Score

Your credit score is one of those elements which you probably don’t think about often but has a significant influence nonetheless. For those with good or even excellent credit, you can look forward to really low monthly rates. Those with poor credit, however, might face monthly charges which are significantly higher.

Macon, GA Average Monthly Auto Insurance Rates by Credit HistoryLegend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 1020304050607080$20$74$28$37$34$81$27$40$32$57

Your Age

Your automotive insurance gradually gets cheaper over time because your experience behind the wheel ensures that you are less and less likely to get into an accident. But younger drivers and their lack of experience are at a much higher risk. And because they are so risky to insure, they must pay higher monthly premiums.

Macon, GA Average Monthly Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110120130140$45$84$47$132$48$141$48$103$59$90

Your Driving Record

As one would expect, the cleaner your driving record is, the less you can expect to pay for your automotive insurance each month.

However, your rates will likely go up if you start collecting speeding tickets or other moving violations. Some Macon, Georgia, auto insurance companies offer “accident forgiveness” discounts, which might be helpful if your record is less than perfect.

Macon, GA Average Monthly Auto Insurance Rates by Driving HistoryLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 102030405060$45$31$34$37$47$35$67$33$48$46$46$50$48$37$66$46$59$39$47$63

Your Vehicle

It should come as no surprise that luxury vehicles are more expensive to insure than your typical sedan. But some drivers may not be informed as to why.

Expensive vehicles will naturally cost more to repair or replace, which means you’ll need much more than the state minimum coverage. And the more coverage you buy, the higher your monthly premiums will be.

Macon, GA Average Monthly Auto Insurance Rates by Vehicle Make and ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110120130140150$45$102$47$87$48$119$48$103$59$158

Minor Factors in Cheap Auto Insurance in Macon, Georgia

But don’t forget about these other factors, and how they can influence your rate:

Your Marital Status

Married couples have the advantage over singles in that they can bundle multiple policies together and get savings discounts. Of course, all of your policies have to be bundled with the same company to be eligible first.

Your Gender

Are you worried about being charged more simply because of an uncontrollable factor, such as your gender? Well, don’t worry too much, because most providers these days charge the same rate, regardless of gender.

And if you do get charged a higher premium for being male or female, it won’t change your premium by more than a few dollars per month.

Your Driving Distance to Work

Commute times in and around Macon aren’t too strenuous. Average trips only take about 14-23 minutes, with some commutes lasting as short as 10 minutes. About 75% of residents get around in their automobile by themselves, while an additional 18-21% carpool.

Let’s take a look at how auto insurance rates in Georgia stack up when considering commute length.

Georgia Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12000 Annual Mileage
State Farm$3,384.88$3,384.88
Liberty Mutual$10,053.44$10,053.44

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If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure), won’t alter your monthly premiums by more than 1-2%.

Your Coverage and Deductibles

Need more coverage, but don’t have enough money to budget each month? Talk to your insurance agent about raising your deductible. Yes, you will have to pay more if you need to file a claim, but think about how much you can save long-term with a lower monthly payment.

Education in Macon, GA

Recently, auto insurance companies have started connecting your rates to your level of education (even more than your job or your yearly income).

Specifically, the more education you have, the more likely your provider will be to lower your rate. In Macon, nearly 33% of locals have at least a high school diploma, while 28% have not quite finished their secondary schooling.

There are nearly 30,000 students enrolled in several different institutions of higher learning in Macon. The three largest of these are Macon State College, Mercer College, and Wesleyan College. Georgia College & State University also operates a small satellite campus in Macon.

Automobile insurance is, without a doubt, one of the most important purchases you can make as a shopper. You need to ensure you discover an honest, dependable organization that’ll follow through on their claims.

A couple of automobile insurance agencies usually are greater at this as opposed to others, and performing a rigorous web-based hunt will let you differentiate the benefits from the poor.

Enter your ZIP code below to compare auto insurance rates.

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How We Conducted Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Enter your ZIP code below to compare cheap car insurance quotes right away and save hundreds on your future insurance charges.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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