Best Macon, Georgia Auto Insurance in 2024
The average Macon, GA auto insurance rates are $422 per month. The minimum auto insurance in Macon is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Macon, Georgia, compare quotes from multiple companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Macon is 21.3 minutes
- The most expensive auto insurance company in Macon for teen drivers is Liberty Mutual
- Average auto insurance rates in Macon, GA for senior drivers are $2,783 per year
Macon, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Macon can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Macon, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Macon to other Georgia cities, including South Fulton auto insurance rates, Savannah auto insurance rates, and Columbus auto insurance rates to see how Macon, Georgia auto insurance rates stack up.
Before you buy Macon, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Macon, Georgia auto insurance quotes.
Minimum Auto Insurance in Macon, Georgia
Macon, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Macon, Georgia.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Macon, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Macon, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,868 | $2,868 | $2,745 | $2,745 | $6,648 | $8,557 | $3,206 | $3,500 |
| Geico | $1,751 | $1,733 | $1,701 | $1,701 | $5,317 | $6,371 | $2,275 | $2,526 |
| Liberty Mutual | $5,516 | $6,007 | $4,514 | $5,135 | $23,858 | $26,661 | $5,838 | $6,206 |
| Nationwide | $3,087 | $3,190 | $3,073 | $3,369 | $9,493 | $12,186 | $3,755 | $4,066 |
| Progressive | $3,362 | $3,054 | $2,889 | $3,059 | $10,802 | $11,956 | $3,849 | $3,989 |
| State Farm | $2,531 | $2,531 | $2,278 | $2,278 | $6,852 | $8,998 | $2,782 | $3,007 |
| USAA | $1,866 | $1,863 | $1,739 | $1,743 | $6,812 | $8,050 | $2,329 | $2,574 |
Cheap Macon, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Macon, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Macon, Georgia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,648 | $8,557 |
| Geico | $5,317 | $6,371 |
| Liberty Mutual | $23,858 | $26,661 |
| Nationwide | $9,493 | $12,186 |
| Progressive | $10,802 | $11,956 |
| State Farm | $6,852 | $8,998 |
| USAA | $6,812 | $8,050 |
Cheap Macon, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Macon, Georgia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,745 | $2,745 |
| Geico | $1,701 | $1,701 |
| Liberty Mutual | $4,514 | $5,135 |
| Nationwide | $3,073 | $3,369 |
| Progressive | $2,889 | $3,059 |
| State Farm | $2,278 | $2,278 |
| USAA | $1,739 | $1,743 |
Cheap Macon, Georgia Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Macon, Georgia compared to the annual auto insurance rates with a clean record in Macon, Georgia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,418 | $5,268 | $4,287 | $3,594 |
| Geico | $1,973 | $2,467 | $5,036 | $2,211 |
| Liberty Mutual | $7,947 | $10,861 | $12,481 | $10,578 |
| Nationwide | $4,079 | $4,781 | $7,316 | $4,934 |
| Progressive | $4,164 | $7,482 | $4,978 | $4,856 |
| State Farm | $3,552 | $4,262 | $3,907 | $3,907 |
| USAA | $2,579 | $3,274 | $4,758 | $2,878 |
Cheap Macon, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Macon, Georgia is not easy. Compare the annual rates for DUI auto insurance in Macon, Georgia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,287 |
| Geico | $5,036 |
| Liberty Mutual | $12,481 |
| Nationwide | $7,316 |
| Progressive | $4,978 |
| State Farm | $3,907 |
| USAA | $4,758 |
Cheap Macon, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Macon, Georgia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,364 | $3,731 | $3,331 |
| Geico | $3,675 | $2,583 | $2,507 |
| Liberty Mutual | $14,995 | $9,200 | $7,205 |
| Nationwide | $6,256 | $5,100 | $4,477 |
| Progressive | $6,033 | $5,238 | $4,840 |
| State Farm | $5,538 | $3,450 | $2,734 |
| USAA | $4,385 | $3,091 | $2,641 |
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Cheap Macon, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Macon, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Macon, Georgia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 31201 | $4,965 |
| 31204 | $4,857 |
| 31206 | $4,874 |
| 31207 | $4,920 |
| 31210 | $4,881 |
| 31211 | $4,928 |
| 31216 | $4,847 |
| 31217 | $4,977 |
| 31220 | $4,905 |
Cheap Macon, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Macon, Georgia auto insurance. Find the cheapest annual Macon, Georgia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,048 | $4,236 |
| Geico | $2,873 | $2,971 |
| Liberty Mutual | $10,467 | $10,467 |
| Nationwide | $5,277 | $5,277 |
| Progressive | $5,370 | $5,370 |
| State Farm | $3,907 | $3,907 |
| USAA | $3,218 | $3,526 |
Cheap Macon, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Macon, Georgia? Check out the comparison of annual Macon, Georgia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,817 | $4,185 | $4,424 |
| Geico | $2,706 | $2,937 | $3,122 |
| Liberty Mutual | $9,995 | $10,407 | $10,998 |
| Nationwide | $5,038 | $5,377 | $5,417 |
| Progressive | $4,808 | $5,263 | $6,040 |
| State Farm | $3,641 | $3,911 | $4,170 |
| USAA | $3,210 | $3,354 | $3,552 |
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Best By Category: Cheapest Auto Insurance in Macon, Georgia
Compare the cheapest auto insurance companies in Macon, Georgia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Macon, Georgia Auto Insurance Companies
What auto insurance companies in Macon, Georgia are the cheapest? Compare the top Macon, Georgia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,142 |
| Geico | $2,922 |
| Liberty Mutual | $10,467 |
| Nationwide | $5,277 |
| Progressive | $5,370 |
| State Farm | $3,907 |
| USAA | $3,372 |
What affects auto insurance rates in Macon, Georgia?
There are a lot of reasons why auto insurance rates in Macon, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Macon, Georgia. Many local factors may affect your Macon auto insurance rates.
Macon Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Macon, Georgia commute length is 21.3 minutes according to City-Data.
Macon Traffic
How does Macon, Georgia rank for traffic? According to Inrix Macon, Georgia is the 527th most congested worldwide.
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Compare Macon, Georgia Auto Insurance Quotes
Before you buy Macon, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Macon, Georgia auto insurance quotes.
Frequently Asked Questions
What types of auto insurance coverage are available in Macon, GA?
The types of auto insurance coverage available in Macon, GA are similar to those offered in other areas. They typically include liability coverage, which is required by law, as well as optional coverages such as collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and additional add-ons or endorsements based on individual needs.
What is the minimum auto insurance coverage required in Macon, GA?
In Macon, GA, the minimum auto insurance coverage required is liability coverage. The state mandates that drivers carry at least the following minimum liability limits: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. It’s important to note that these are the minimum requirements, and higher coverage limits may be advisable for greater protection.
How can I find affordable auto insurance in Macon, GA?
To find affordable auto insurance in Macon, GA, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents or brokers who work with various companies, utilize online comparison tools, or directly visit the websites of insurance providers to obtain quotes. Additionally, consider factors such as your driving record, the type of vehicle you own, available discounts, and your desired coverage limits when seeking affordable options.
What factors can affect my auto insurance rates in Macon, GA?
Several factors can influence your auto insurance rates in Macon, GA. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
Are there any specific discounts available for auto insurance in Macon, GA?
Yes, there are various discounts available for auto insurance in Macon, GA. Insurance companies often offer discounts for safe driving records, multiple policies (such as bundling auto and homeowners insurance), good student discounts, vehicle safety features, and anti-theft devices. It’s advisable to inquire with insurance providers about the discounts they offer and determine if you qualify for any.
Can I purchase additional coverage options for my auto insurance in Macon, GA?
Yes, in addition to the required liability coverage, you can purchase additional coverage options for your auto insurance in Macon, GA. Optional coverages may include collision coverage to protect against vehicle damage in a collision, comprehensive coverage for non-collision incidents (such as theft, vandalism, or weather damage), and other add-ons like rental car reimbursement or roadside assistance. Discuss your specific needs with insurance providers to determine the best coverage options for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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.