In Macon, Country Financial offers the cheapest full coverage, while Allstate is the top pick for families with teens, differing from the minimum coverage leader, Country Financial. For stellar customer service and overall value, combining price and service, Auto-Owners excels. Choosing the best insurance depends on individual needs and coverage preferences.
Cheapest and Best Car Insurance in Macon, GA (2024)
Updated: December 19, 2024
Advertising & Editorial Disclosure
Key Takeaways
In Macon, Country Financial offers the cheapest minimum coverage car insurance at $439 per year, while State Farm's policy is the most expensive at $983 annually, demonstrating a potential savings of $544 for those who compare providers, underscoring the importance of researching different insurance options.
In Macon, drivers can achieve significant savings by comparing full coverage car insurance rates, with Country Financial offering the most affordable option at $814 per year, which is substantially lower than Progressive's highest rate of $1,929, underscoring the importance of shopping around for the best deal.
In Macon, military drivers can benefit from the most affordable full coverage car insurance offered by Country Financial with an annual premium of $814, considerably less than alternatives like Auto-Owners and USAA, known for their commendable service but slightly higher prices.
Why Trust MoneyGeek? We analyzed 35,648 quotes in Georgia, including the city of Macon, from eight companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Macon insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Macon, GA, as of July 2024.
35,648Quotes Analyzed
8Companies Compared
Cheapest Minimum Liability Car Insurance in Macon
MoneyGeek found that Country Financial offers the cheapest car insurance in Macon for minimum coverage policies.
- Country Financial: $439 per year
- Auto-Owners: $538 per year
State Farm has the most expensive minimum coverage policy in Macon, with an annual rate of $983. The difference in cost between Country Financial and State Farm is $544 annually.
Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Minimum Coverage
| Country Financial | $439 | $37 |
| Auto-Owners Insurance Co | $538 | $45 |
| GEICO | $587 | $49 |
| Mercury | $664 | $55 |
| Allstate | $890 | $74 |
| Progressive | $936 | $78 |
| State Farm | $983 | $82 |
In Georgia, including in Macon, state law has set the minimum car insurance coverage requirements. Drivers are to maintain the following minimums:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage liability per accident
If you're insured for the minimum bodily injury liability and you're at fault in an accident where one person's medical costs reach $30,000, your policy would cover up to $25,000. The remaining $5,000 would be your responsibility to pay out-of-pocket.
Cheapest Full Coverage Car Insurance in Macon
Country Financial offers the most affordable cheapest full coverage car insurance in Macon.
- Country Financial: $814 per year
- Auto-Owners: $1,123 per year
Progressive offers the most expensive full coverage policy in Macon, with an annual premium of $1,929, a contrast to Country Financial's $814. This significant price gap highlights the importance of shopping around.
Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
| Country Financial | $814 | $68 |
| Auto-Owners Insurance Co | $1,123 | $94 |
| Allstate | $1,299 | $108 |
| GEICO | $1,426 | $119 |
| Mercury | $1,598 | $133 |
| State Farm | $1,878 | $157 |
| Progressive | $1,929 | $161 |
A full coverage insurance policy increases the liability limits above the state-required minimums to substantial amounts. The policy stipulates coverage of up to $100,000 for bodily injury per individual, $300,000 for all injuries per accident and $100,000 for property damage per incident. This is referred to as a 100/300/100 policy configuration.
With this broader coverage, the policy also encompasses comprehensive and collision insurance:
Collision Insurance: This covers repair or replacement costs for your automobile if it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This provides coverage for your vehicle's repair costs in cases unrelated to collisions, such as theft or natural disasters and being struck by an animal like a deer.
If you have recently invested in a new vehicle, securing full coverage insurance is a wise decision. For owners of older vehicles, the additional cost may not justify the benefits offered by full coverage insurance. When assessing how much car insurance coverage you need, it's crucial to weigh the increased premiums that come with extra protection against the risk of being underinsured.
Cheapest Car Insurance in Macon After a Driving Offense
MoneyGeek found that Country Financial is the most affordable option in Macon for drivers with a problematic driving record seeking full coverage insurance, regardless of their specific violation.
- Speeding Ticket: Country Financial ($1,112 per year)
- At-fault accident: Country Financial ($1,171 per year)
- DUI: Country Financial ($1,358 per year)
Among the companies evaluated, GEICO presents the highest rates for these incidents, with the steepest premiums for drivers with a DUI, reaching $4,598 annually. The disparity in rates shows that a DUI can cost $3,486 more than a speeding ticket per year with the same insurer, illustrating the financial impact of more severe offenses on car insurance premiums.
Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
Select
Incident:Speeding
| Country Financial | $1,112 | $93 |
| Auto-Owners Insurance Co | $1,267 | $106 |
| Allstate | $1,423 | $119 |
| GEICO | $1,710 | $143 |
| State Farm | $2,207 | $184 |
| Mercury | $2,396 | $200 |
| Progressive | $2,675 | $223 |
The severity of a driving infraction has a direct correlation with insurance premium increases as insurers assess the heightened risk associated with serious offenses. In Macon, vehicles with a DUI on record pay on average $3,364 per year for insurance, compared to $2,416 for those with a speeding ticket.
Cheapest Car Insurance in Macon for Teens and Their Families
MoneyGeek found that Allstate offers the most affordable full coverage car insurance for male and female teens in Macon. For those seeking the cheapest car insurance for teens, consider the following options:
- Allstate: $1,545 per year for female teens and $1,617 per year for male teens
- GEICO: $2,044 per year for female teens and $2,529 per year for male teens
These rates reflect the cost to insure a combination of two parents and a teen driver. While Allstate provides the least expensive policy, State Farm's family policy for teens is the priciest in Macon, with annual premiums of $2,873 for females and $3,678 for males.
Data filtered by:Results filtered by:
Select
Age:16
Select
Gender:Female
| Allstate | $1,545 | $5,266 |
| GEICO | $2,044 | $7,282 |
| Auto-Owners Insurance Co | $2,339 | $2,411 |
| Progressive | $2,759 | $7,602 |
| State Farm | $2,873 | $4,022 |
In Macon, young drivers face steep costs when insuring their vehicles. On average, a teen purchasing car insurance independently will encounter an annual premium of $6,115, starkly higher than the $2,664 average if added to a family policy. Insurers justify this large discrepancy due to teens' higher accident risk, lack of credit history and minimal driving experience.
Cheapest Car Insurance in Macon for Military Drivers
MoneyGeek found that Country Financial offers the most affordable full coverage car insurance for military backgrounds in Macon. For those with a record of military service, finding the cheapest car insurance for military backgrounds is crucial, and MoneyGeek's analysis provides a clear guide.
- Country Financial: $814 per year
- Auto-Owners: $1,123 per year
While USAA ranks third in Macon with an annual premium of $1,142, its rates are slightly higher than the top competitors. However, USAA is renowned for its services specifically tailored to the needs of active-duty military members.
Data filtered by:Results filtered by:
Select
Age Group:22-29
Select
Coverage:Full Coverage
| Country Financial | $1,182 | $99 |
| Allstate | $1,339 | $112 |
| USAA | $1,345 | $112 |
| Auto-Owners Insurance Co | $1,610 | $134 |
| Mercury | $2,282 | $190 |
| GEICO | $2,285 | $190 |
| State Farm | $2,457 | $205 |
| Progressive | $2,471 | $206 |
How to Compare Cheap Macon Car Insurance Quotes Online
Use MoneyGeek's car insurance calculator to find premiums in Macon. By inputting just a few details such as age, driving history, credit score and coverage preferences, you'll receive a tailored rate estimate.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$110
High
$98
Average
$81
Low
Rates updated:
Dec 31, 2024
| Insurance Carrier | Average Monthly Payment | |||
|---|---|---|---|---|
| 1 |  GEICO | $81 | ||
| 2 | $94 | |||
| 3 | $98 | |||
| 4 | $104 | |||
| 5 | $110 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Macon: Overview
Choosing the right auto insurance for you hinges on what you value most: service quality, cost, coverage options and other factors. MoneyGeek's unique scoring systems reflect these variances, revealing that in Macon, Auto-Owners is the preeminent choice for different needs:
- Best overall: Auto-Owners (Score: 86 out of 100)
- Best for service: Auto-Owners (Score: 89 out of 100)
- Best cheap: Auto-Owners (Score: 89 out of 100)
Overall Best Car Insurance in Macon
MoneyGeek found that Auto-Owners offers the best option for car insurance in Macon, ensuring drivers can navigate the roadways with confidence in their coverage. For those seeking the best car insurance, here are the two top providers in Macon:
- Auto-Owners: MoneyGeek score of 86 out of 100 ($1,123 per year)
- Country Financial: MoneyGeek score of 71 out of 100 ($814 per year)
Auto-Owners has high satisfaction and claims scores, impacting its overall MoneyGeek score.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
86/ of 100
Overview
Auto-Owners has perfect claims and coverage scores, underscoring their commitment to comprehensive service. It offers both common coverages: roadside assistance and rental car and/or travel reimbursement and gap Insurance, protecting drivers from owing more than the car's worth after depreciation.
Accident forgiveness is another advantageous option, sparing clients' rates from increasing after their first at-fault accident.
Best Car Insurance in Macon for Customer Service
Auto-Owners is the top car insurance provider for customer service in Macon. This distinction underscores the company's strong performance in client satisfaction, efficient claims processing and comprehensive coverages.
- Auto-Owners: MoneyGeek score of 89 out of 100 ($1,123 per year)
- Mercury: MoneyGeek score of 73 out of 100 ($1,598 per year)
Best for Customer ServiceAuto-Owners Insurance
MoneyGeek Score:
89/ of 100
Overview
Auto-Owners excel in claims satisfaction. It also has accident forgiveness coverage, which ensures that one at-fault accident won't break the bank on future premiums. It offers useful coverages like roadside assistance and rental car and/or travel reimbursement and gap Insurance.
Best Cheap Car Insurance Companies in Macon
MoneyGeek found that Auto-Owners Insurance Co offers the best cheap car insurance in Macon, balancing affordable rates with quality service. This score evaluates companies based on affordability, customer satisfaction and claims handling. Here are the top two providers:
- Auto-Owners: MoneyGeek score of 89 out of 100 ($538 per year)
- Country Financial: MoneyGeek score of 74 out of 100 ($439 per year)
Auto-Owners has a superior MoneyGeek score, which reflects its excellent claims handling and customer satisfaction. Additionally, their score is for a minimum coverage policy, ensuring that drivers can obtain necessary coverage without overpaying.
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
89/ of 100
Overview
Auto-Owners leads with a strong emphasis on claims handling and coverage, contributing significantly to its high MoneyGeek score. With an average annual premium of just $538, Auto-Owners offers affordable minimum coverage, making it a good choice for the average driver.
Average Cost of Car Insurance in Macon
In Macon, Georgia, the average car insurance cost is $1,438, which is slightly below the state's average. When compared to the average car insurance cost in Georgia, Macon's premiums are lower, with the state average at $1,476. The state of Georgia has an average that is also less than the national average car insurance cost, which comes in at $1,781.
Location among other factors, influences car insurance rates. Urban areas with higher traffic density typically have higher insurance premiums due to an increased risk of accidents and theft. According to the data, Atlanta has the most expensive premium in Georgia at $1,894, while Athens has the cheapest premium, costing only $1,241.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.