Cheapest Auto Insurance in Macon, Georgia (2026)
Auto-Owners offers the cheapest car insurance in Macon, with minimum-coverage policies as low as $95 per month.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
The average monthly cost of car insurance in Macon is $235, higher than Georgia’s state average of $199. 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.
Quick Facts
The average cost of car insurance in Macon is $279 per month for full coverage and $191 per month for liability coverage.
Auto-Owners, State Farm, and COUNTRY Financial have the cheapest car insurance in Macon.
Macon drivers pay an average of $3,351 per year for full-coverage car insurance.
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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Hugo | 6.3 | N/A | $310 | Cheap rates |
| Auto-Owners | 8.2 | $127 | $89 | Students |
| State Farm | 9.3 | $136 | $96 | Families |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Hugo
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $310/mo |
4.6
Best choice in Macon, GABased on 202 verified driver reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Micropayments
No down payments
Fast coverage
Showing 3 Georgia reviews for Macon drivers - See all 66 Hugo reviews
Michael
Verified Review
Affordable and convenient
Reviewed in Georgia on October 20, 2025
Wonderfully convenient.
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 15, 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2, 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Launched in 2021, Hugo is one of the newest insurance companies. It’s also the only insurance company that offers pay-as-you-drive liability insurance. Hugo charges no up-front fees, and you can pause your coverage whenever you need just by sending a text. If you’re someone who only drives on certain days, or during a particular season, Hugo allows you to pay for only the coverage you need.
Pros
Short-term policies available
Flexible, pay-as-you-go insurance
Cons
Limited additional coverage
No discounts available
Best insurer for students: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $162/mo |
4.3
Best choice in Macon, GABased on 323 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 148 Auto-Owners reviews
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Norberto
Verified Review
Excellent
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners started in 1916 in Lansing, Michigan. For student drivers, Auto-Owners offers several student discounts, including a good student discount of up to 20% for students that maintain a grade point average of “B” or better. The student-away discount is available for students attending school more than 100 miles from home without a vehicle.
Pros
Plenty of coverage options
Multiple discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast
No online claims submission
Best insurer for families: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
4.0
Best choice in Macon, GABased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Macon for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Georgia reviews for Macon drivers - See all 7,303 State Farm reviews
William
Verified Review
Bicket Blurb
Reviewed in Georgia on March 17, 2026
Too high a premium for us older folks with no accidents, tickets, or DUIs (not only in three years but EVER!)
Janice
Verified Review
The only time I hear from them is during renewal.
Reviewed in Georgia on March 16, 2026
They are too expensive.
Tom
Verified Review
Get your act together
Reviewed in Georgia on March 14, 2026
Very poor. I’ve had State Farm for years and I just bought a new Tesla, and they want to charge me an additional $100 on top of a rate increase at the beginning of the year. I’m definitely looking for another insurance company. I have no DUI, no accidents.
Milton
Verified Review
Shining Like the Sun!
Reviewed in Georgia on March 10, 2026
I have had a good experience with State Farm! Thanks!
Isaac
Verified Review
Excellent
Reviewed in Georgia on February 28, 2026
Very friendly and knowledgeable.
Cathy
Verified Review
Sadly, rates are beyond affordable!
Reviewed in Georgia on February 25, 2026
Insurance coverage itself is really good. However, rates have increased beyond what I can currently handle.
Robert
Verified Review
They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.
Reviewed in Georgia on February 24, 2026
They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.
Donnie
Verified Review
Disappointed Senior
Reviewed in Georgia on February 24, 2026
They charge too much for senior citizens. What happened to a discount and the price of $29.99?
Gary
Verified Review
High Priced
Reviewed in Georgia on February 22, 2026
Promising discounts with the Drive Safe module, but no discounts were added for safe driving. It costs too much.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With more than 100 years in insurance, State Farm ranks as the largest car insurance company in the U.S., according to data from the National Association of Insurance Commissioners (NAIC). State Farm offers customers a variety of insurance products, including home, small business, auto, and life insurance. With discounts for households insuring multiple cars and savings for customers who bundle insurance products, families have the opportunity to save with State Farm.
Pros
Above-average J.D. Power rating in the Southeast
Rideshare insurance available
Cons
Gap insurance not available
Can’t purchase a policy online
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 $95 per month
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Cheapest liability-only car insurance in Macon: Auto-Owners
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 $191 per month.
The table below provides a list of insurance companies with the lowest rates for liability-only car insurance in Macon.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $95 |
| State Farm | $102 |
| COUNTRY Financial | $103 |
| Allstate | $111 |
| Mile Auto | $112 |
| USAA | $119 |
| Progressive | $146 |
| Mercury | $159 |
| Root | $183 |
| Bristol West | $192 |
| GEICO | $192 |
| GAINSCO | $195 |
| Clearcover | $198 |
| Direct Auto | $200 |
| The General | $217 |
| AssuranceAmerica | $219 |
| National General | $226 |
| Safeco | $229 |
| Trexis One | $230 |
| Mendota | $235 |
| Nationwide | $245 |
| First Acceptance | $248 |
| Trexis | $252 |
| Liberty Mutual | $407 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Macon: Auto-Owners
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 $279 per month, but you can start your search for the cheapest insurers in the table below.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $162 |
| State Farm | $173 |
| COUNTRY Financial | $176 |
| Mile Auto | $179 |
| Allstate | $189 |
| USAA | $203 |
| Mercury | $251 |
| Root | $259 |
| Progressive | $262 |
| Safeco | $283 |
| Direct Auto | $322 |
| National General | $326 |
| Clearcover | $335 |
| GEICO | $340 |
| AssuranceAmerica | $342 |
| Bristol West | $357 |
| GAINSCO | $373 |
| Mendota | $399 |
| Trexis One | $410 |
| Nationwide | $419 |
| The General | $422 |
| Trexis | $444 |
| First Acceptance | $448 |
| Liberty Mutual | $459 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Macon, Georgia
Drivers in and around Macon, Georgia have found policies from Mercury, AssuranceAmerica, State Farm, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Macon, Georgia within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per incident |
| Property damage liability | $25,000 per incident |
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.
Shop for Car Insurance in Macon, GA
Monthly rates start at $122 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
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 $359 per month for full coverage and $246 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.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $95 | $126 |
| State Farm | $102 | $131 |
| COUNTRY Financial | $103 | $143 |
| Allstate | $111 | $146 |
| Mile Auto | $112 | $139 |
| USAA | $119 | $156 |
| Progressive | $146 | $188 |
| Mercury | $159 | $225 |
| Root | $183 | $247 |
| Bristol West | $192 | $245 |
| GEICO | $192 | $254 |
| GAINSCO | $195 | $236 |
| Clearcover | $198 | $260 |
| Direct Auto | $200 | $253 |
| The General | $217 | $294 |
| AssuranceAmerica | $219 | $282 |
| National General | $226 | $285 |
| Safeco | $229 | $305 |
| Trexis One | $230 | $296 |
| Mendota | $235 | $302 |
| Nationwide | $245 | $322 |
| First Acceptance | $248 | $319 |
| Trexis | $252 | $324 |
| Liberty Mutual | $407 | $524 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
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 $394 per month for full coverage and $270 for liability only.
Here are the cheapest car insurance companies for drivers with an at-fault accident on their record.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $95 | $130 |
| State Farm | $102 | $139 |
| COUNTRY Financial | $103 | $146 |
| Allstate | $111 | $154 |
| Mile Auto | $112 | $156 |
| USAA | $119 | $165 |
| Progressive | $146 | $206 |
| Mercury | $159 | $247 |
| Root | $183 | $253 |
| Bristol West | $192 | $261 |
| GEICO | $192 | $258 |
| GAINSCO | $195 | $258 |
| Clearcover | $198 | $297 |
| Direct Auto | $200 | $282 |
| The General | $217 | $308 |
| AssuranceAmerica | $219 | $301 |
| National General | $226 | $310 |
| Safeco | $229 | $330 |
| Trexis One | $230 | $325 |
| Mendota | $235 | $332 |
| Nationwide | $245 | $340 |
| First Acceptance | $248 | $350 |
| Trexis | $252 | $356 |
| Liberty Mutual | $407 | $559 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
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 $340 per month for full coverage and $233 for liability car insurance.
The table below highlights the cheapest insurance for drivers with a DUI in Macon.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $95 | $128 |
| State Farm | $102 | $138 |
| COUNTRY Financial | $103 | $134 |
| Allstate | $111 | $150 |
| Mile Auto | $112 | $151 |
| USAA | $119 | $161 |
| Progressive | $146 | $178 |
| Mercury | $159 | $224 |
| Root | $183 | $248 |
| Bristol West | $192 | $260 |
| GEICO | $192 | $256 |
| GAINSCO | $195 | $264 |
| Clearcover | $198 | $268 |
| Direct Auto | $200 | $270 |
| The General | $217 | $293 |
| AssuranceAmerica | $219 | $296 |
| National General | $226 | $306 |
| Safeco | $229 | $331 |
| Trexis One | $230 | $280 |
| Mendota | $235 | $286 |
| Nationwide | $245 | $331 |
| First Acceptance | $248 | $302 |
| Trexis | $252 | $307 |
| Liberty Mutual | $407 | $550 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
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 $166 a month for liability car insurance and $243 for full coverage.
The table below outlines the cheapest car insurance for seniors in Macon.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $129 | $75 |
| State Farm | $137 | $81 |
| COUNTRY Financial | $141 | $82 |
| Mile Auto | $141 | $88 |
| Allstate | $154 | $90 |
| USAA | $165 | $97 |
| Mercury | $201 | $127 |
| Root | $217 | $154 |
| Progressive | $228 | $127 |
| Safeco | $248 | $201 |
| National General | $257 | $179 |
| Direct Auto | $261 | $162 |
| AssuranceAmerica | $268 | $172 |
| GEICO | $271 | $153 |
| Clearcover | $296 | $175 |
| Bristol West | $298 | $160 |
| GAINSCO | $318 | $166 |
| Nationwide | $322 | $188 |
| Mendota | $347 | $205 |
| The General | $357 | $183 |
| Trexis One | $357 | $200 |
| Liberty Mutual | $385 | $341 |
| Trexis | $387 | $219 |
| First Acceptance | $390 | $216 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
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 $498 per month for full coverage and $341 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.
The below rates in Macon, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| COUNTRY Financial | $279 | $164 |
| Auto-Owners | $323 | $190 |
| State Farm | $333 | $196 |
| Mile Auto | $366 | $229 |
| Allstate | $371 | $218 |
| USAA | $373 | $219 |
| Root | $443 | $313 |
| Mercury | $461 | $292 |
| Progressive | $467 | $260 |
| Clearcover | $547 | $323 |
| Safeco | $566 | $458 |
| GEICO | $603 | $340 |
| Direct Auto | $614 | $382 |
| Bristol West | $632 | $340 |
| National General | $656 | $455 |
| GAINSCO | $675 | $353 |
| AssuranceAmerica | $705 | $452 |
| Mendota | $712 | $419 |
| Trexis One | $731 | $410 |
| The General | $733 | $377 |
| Trexis | $792 | $449 |
| First Acceptance | $799 | $442 |
| Liberty Mutual | $802 | $711 |
| Nationwide | $813 | $475 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Macon, GA
Liability rates cost an average of $191 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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Macon?
Compared to the Georgia overall average of $199 per month, Macon drivers pay more for car insurance — an overall average of $235 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.
City | Full Coverage | Liability Only |
|---|---|---|
| Albany | $239 | $132 |
| Atlanta | $330 | $225 |
| Columbus | $229 | $141 |
| Dallas | $269 | $189 |
| Gainesville | $225 | $148 |
| Lawrenceville | $286 | $200 |
| Marietta | $268 | $190 |
| Savannah | $275 | $175 |
| Valdosta | $178 | $111 |
| Woodstock | $234 | $168 |
Disclaimer: Table data sourced from real-time Macon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Macon may vary based on the policy buyer's unique driver profile.
Macon car insurance FAQs
Learn more about lowering your car insurance costs, and check out the answers to common questions about auto coverage in Macon, Georgia, below.
How much is car insurance in Macon?
The average cost of car insurance in Macon is $279 per month for full coverage and $191 per month for liability coverage, according to Insurify data.
What company has the cheapest car insurance in Macon?
The cheapest car insurance companies in Macon are Auto-Owners, State Farm, and COUNTRY Financial. They have monthly liability rates of $95, $102, and $103, respectively.
But the cheapest insurer for you depends on your unique situation, coverage needs, and budget. It’s best to compare quotes from at least three different companies to find the cheapest auto coverage for you.
What are the best car insurance companies in Macon?
The best car insurance companies in Macon include Auto-Owners and State Farm, which have strong Insurify Quality (IQ) Scores and decent customer satisfaction ratings. But the best insurer for you will depend on your coverage needs and budget, so take the time to shop around and compare quotes.
How much is car insurance in Georgia per month?
The average cost of car insurance in Georgia is $239 per month for full coverage and $158 per month for liability coverage.
What’s the minimum car insurance for Georgia?
Georgia’s car insurance requirements is 25/50/25, which translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "What determines the price of an auto insurance policy?."
- Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
- State of Georgia. "Pay a Super Speeder Fine."
- Georgia Department of Driver Services. "DUI First Offense 21 and over."
- Insurance Institute for Highway Safety. "Older drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.