Best Car Insurance in Macon 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Macon.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 15, 2021Honda Accord LX3120635ClearCover$110/mo.$77/mo.
May 21, 2021Chevrolet Silverado C15003122027ClearCover$165/mo.$93/mo.
October 8, 2021Chevrolet Suburban C15003120639Mercury$180/mo.$104/mo.
October 5, 2021GMC Terrain SLE3120429ClearCover$240/mo.$106/mo.
July 11, 2021Toyota Sequoia SR53121735ClearCover$159/mo.$110/mo.
Here’s more information about what impacts the insurance rates in your Macon.

How much does car insurance cost in Macon?

Car insurance in Macon, Georgia costs single-car drivers an average of $3,877 annually, or about $323 per month. Compared to the state annual average of $3,420, auto insurance in Macon is $457 higher higher.
Located in central Georgia, Macon is home to the Ocmulgee National Monument, which holds many Native American artifacts from 1000 A.D. As a growing city, Macon has an increasing population and dense traffic, both of which make it tricky to find cheap car insurance.
To find the best deal on the coverage you need, get Jerry on your side. This car insurance comparison and licensed broker app compiles customized quotes from up to 50 top insurance providers and handles the paperwork and phone calls once you’re ready to make your switch. You get all the benefits with none of the work!
If you’re looking for car insurance in Macon, Georgia, here’s what you need to know.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Macon$3,862$2,371$2,937$1,547$4,300$3,665
National Average$3,223$2,143$3,086$1,764$3,423$2,486
MaconNational Average
All Coverage Before Jerry
$3,862$3,223
All Coverage After Jerry
$2,371$2,143
Minimum Coverage Before Jerry
$2,937$3,086
Minimum Coverage After Jerry
$1,547$1,764
Full Coverage Before Jerry
$4,300$3,423
Full Coverage After Jerry
$3,665$2,486
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Choosing a carrier in Macon

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Georgia drivers aren’t lacking options when it comes to insurance providers. In Macon, USAA, State Farm, and GEICO are popular picks.
But if they aren’t right for you, Jerry can help you find one that is. Your rates will ultimately depend on factors like your demographics, driving record, and discount eligibility.
Here’s what drivers pay with various insurance providers in Macon before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$4,735$2,078Compare Prices
Allstate$2,415$1,060Compare Prices
Nationwide$2,820$936Compare Prices
Progressive$2,495$653Compare Prices
National General$1,800$360Compare Prices
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What kind of car insurance you need in Macon

In Macon, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Georgia, drivers are obligated to show financial responsibility before getting on the road. The easiest way to do this is by purchasing a car insurance policy with at least the following liability insurance:
Carrying proof of insurance coverage and a registered vehicle is also important when driving on Georgia roads.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Relying on liability coverage is fine for getting through traffic stops. But it leaves you vulnerable to out-of-pocket expenses for damage to your vehicle after an accident.
If you want greater protection, here are some recommended coverages for your vehicle in Macon:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceWhenever you’re on the road, rely on collision insurance to cover car damages resulting from a collision with another vehicle or stationary object.
Population densityAccident forgivenessMacon’s relatively high population means there are always drivers on the road. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageAbout 13% of Georgia drivers are uninsured. If you’re in an accident with one of them, this will cover your property damage, medical bills, and more.
Severe weatherComprehensive coverageComprehensive insurance pays for damage to your vehicle that isn’t the result of a collision, like flooding.
Georgia backroadsRoadside assistanceIf you get stuck while exploring the back roads of Georgia, roadside assistance will help with towing, tire changing, locksmithing, and battery jumpstarts.

What determines your car insurance cost in Macon

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Macon, you could be paying as much as $4 more per month than an adult driver. These are average rates for Jerry customers in Macon broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,851$968
21-24$3,824$1,262
25-34$4,475$1,763
35-44$3,980$1,548
45-54$3,634$1,831
55-64$1,408$127
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Macon with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,442$1,325
DUI$8,172$3,430
Speeding under 15$4,474$1,816
Driving on Sus. License$3,417$1,628
Failure to Obey Traffic Sign$2,508$1,130
Speeding over 15$1,664$426
Open Container$1,500$404
Suspension$1,400$109
Other$2,407$596
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Where in Macon you live

It may seem like insurance rates in Macon should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Macon, residents of 31217, 31211, 31220 and 31210 will have the most expensive car insurance rates, while people who live in 31206, 31216, 31204 and 31201 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Macon:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 8, 202131206Chevrolet Suburban C1500GA39Mercury$180/mo.$104/mo.
October 14, 202131211Hyundai Sonata SEGA57ClearCover$143/mo.$107/mo.
October 14, 202131220Hyundai Sonata SportGA27Progressive$240/mo.$124/mo.
September 6, 202131211Ford Fusion SEGA23Allstate$320/mo.$140/mo.
October 6, 202131210Dodge Challenger SXTGA33Electric$317/mo.$253/mo.
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Why is car insurance in Macon so expensive?

A variety of considerations determine baseline car insurance rates in Macon. Insurance companies often consider the following:

High accident rates

The highways around the state are known for being a hotspot for accidents. Insurance carriers are aware of this and increase their rates to compensate for the added risk.

High crime rates

Macon has a high crime rate when compared to other cities nationwide. When the risk of property damage or vandalism increases, your insurance rates typically increase, too.

Inclement weather

Georgia has seen extreme heat waves, tornadoes, severe thunderstorms, hurricanes, and more. These natural disasters can cause serious damage to your vehicle, resulting in an onslaught of claims for providers.

How can you save money on car insurance in Macon?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are a great way to bring down your insurance costs. Here are some common discount options in Macon:
DiscountDescription
PaperlessMany insurance providers give discounts if you agree to switch to electronic communications.
Customer loyaltyBuying multiple types of insurance from a single insurance provider—also known as bundling—can save you money on each policy.
Safe driving recordIf you have a clean driving record, you’ll experience lower rates and may be eligible for other discounts.
Driver affiliationInsurance companies often have rate cuts for those involved in the military or select professional organizations.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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