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Cheapest car insurance in Macon, Georgia (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Macon, Georgia.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance in Macon

On average, car insurance in Macon costs about $135 per month for minimum coverage liability insurance, and about $251 per month for full coverage insurance. Macon drivers pay 16% more than the average rate in Georgia. 
Coverage type
Macon, GA
Georgia
United States
State minimum
$135
$104
$77
Full coverage
$251
$213
$165
There’s no finding the one and only
cheap car insurance company in Georgia
. Your ideal auto insurance provider depends on your driver profile, your credit score, your vehicle, and, of course, where you live! That's why it's essential to compare multiple quotes to find the best coverage at the most affordable price.
To help drivers get started, Jerry experts researched some of the top providers in Macon, Georgia. Here’s the results:
Cheapest car insurance companies in Macon, GA
Overall standout: Clearcover
$78/month for liability-only, $173/month for full coverage
Best for minimum coverage: Travelers
$52/month on average
Best for full coverage: Nationwide
$164/month on average

Best car insurance companies in Macon

Looking for the most competitive car insurance rates in Macon? Jerry conducted one of the nation's largest insurance shopping surveys to find the answer to that very question.
Recently, Jerry experts asked 15,000 real policyholders about their experience with their current insurer. Using a 5.0 rating scale, they scored their providers in terms of customer service, cost-effectiveness, and claims handling.
The providers below are the insurers in Macon, Georgia who scored an overall rating of 4.0 or higher on our survey, and who offer rates cheaper than the city average cost. 
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
$54
$190
4.2
4.6
$56
$181
4.5
4.1
$59
$179
4.3
4.5
$77
$164
4.0
4.3
Clearcover
$78
$173
4.4
4.7
$108
$180
5.0
5.0
$108
$221
3.9
4.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Macon

To comply with
Georgia car insurance laws
, all drivers in Macon must carry
liability car insurance
. Liability insurance covers the costs of treatment, repairs, and replacements if you cause harm to someone else or their property while driving. You might also want to increase your coverage limits above the state minimum requirements in certain circumstances—which, we’ll argue, is most of them.

Cheap minimum liability insurance quotes in Macon

The minimum liability coverage requirements in Georgia—and by extension, Macon—are 25/50/25.
In other words, you’ll need to buy a policy that provides at least:
Sticking with the minimum required liability coverage often means paying the lowest rates. While liability-only coverage is often cheaper, you can still find savings with these providers:
Insurance company
Monthly minimum coverage cost
$52
$59
$56
$77
Clearcover
$78
$88
$108

Do you need more than minimum coverage in Macon?

Drivers in Macon should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Macon, medical and vehicle repair expenses could easily add up, especially if someone is seriously injured. If anything exceeds your coverage limits, you’ll have to pay it out-of-pocket. Moreover,
Georgia’s car accident laws
allow injured parties to sue for a variety of damages up to two years after a collision.
Consider 50/100/50 or 100/300/100 liability coverage limits for better financial protection.

Cheap full coverage car insurance quotes in Macon

There’s no law requiring
full-coverage car insurance
, but it provides a way to pay for repairs or replacements to your vehicle.
A full coverage policy includes
collision coverage
and
comprehensive coverage
. Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. Comprehensive coverage does the same thing, but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. Drivers can often fulfill these requirements by purchasing a lower than average cost full coverage policy with these insurers:
Insurance company
Monthly full coverage cost
$164
Clearcover
$173
$179
$181
$190
Using a car insurance comparison app or website is the fastest way to compare car insurance quotes online. With the Jerry app, you’ll be able to find savings and get the answers to all your questions from a team of 100+ licensed agents.
Lower my car insurance too!

Average cost of car insurance in Macon by zip code

Zip codes not only indicate where your car insurance provider should send your bills but also how likely you are to file a claim. 
Zip codes with high traffic, crime, or car accident rates (or all three) are considered "riskier" than others to insure. Here's a look at some of the cheapest and most expensive ZIP codes in Macon.
ZIP codes
Monthly coverage cost
31216
$132
31211
$137
31210
$144
31206
$147
31217
$151
31204
$152
31201
$156

Car insurance quotes in Macon by rating factors 

Various factors change
how your car insurance premiums are calculated
in Macon, including:
  • Your driving record and claims history: Accidents and tickets will increase your insurance rates.
  • Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
  • Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
  • Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
  • Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How do different factors impact your car insurance costs in Macon?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
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Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Macon:

Cheap car insurance quotes in Macon after driving violations

Driver violation points can have a significant impact on your insurance rates. The more points you have, the more high-risk your
Georgia driving record
. If you’re struggling to find affordable rates, here’s what to look for:

Cheapest car insurance in Macon after speeding ticket

A
Georgia speeding ticket
will cost you anywhere between $25 to $700, but that’s not the worst of it. Your car insurance rates in Macon could be up to 13% more expensive for years afterward. 
To find savings, you’ll need to compare car insurance quotes from as many providers as you can—and the providers listed below offer some of the lowest rates:
Insurance company
Monthly coverage cost
$102
$144
$182
Clearcover
$244
$247
$278
Gainsco
$334

Cheapest car insurance in Macon after DUI

Committing a
DUI in Georgia
comes with longer-lasting consequences than a ticket, a jail sentence, and a license suspension. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums for many years.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Take a look at the table below to see some of the best providers in Macon for cheap car insurance after a DUI:
Insurance company
Monthly coverage cost 
$149
$170
$194
$204
Gainsco
$204

Cheapest car insurance in Macon after an at-fault accident

A few at-fault accidents in your driving history can add many more dollars to your monthly car insurance bills. Auto insurance providers use your
Georgia driving record
to predict how many claims you might make (and how much money you could cost the company); if you appear to be a high-risk investment, they’ll charge you high premiums.
While your rates may increase, most Macon drivers typically found lower than average full coverage premiums with these insurers:
Insurance company
Monthly full coverage cost 
$164
$170
$172
$176
$178
For those seeking a minimum coverage policy, consider one of these providers: 
Insurance company
Monthly minimum coverage cost
$62
$64
$70
$77
Clearcover
$89

Cheapest car insurance in Macon after other driving violations

Other moving violations, such as driving without a license, stunt driving, or
reckless driving in Georgia
come with their fair share of car insurance woes. If you’ve been hit with traffic tickets and high premiums, you can still save on car insurance with certain insurers.
For example, for drivers in Macon with a careless driving charge,
Mercury Auto
($199/month) generally offers the lowest rates. When it comes to more minor infractions, like a seatbelt ticket, most motorists can find the best savings with
Progressive
($110/month). 
To find your best premium after a violation, start by checking out the table below and seeing the cheapest insurer for specific violations and their average costs—then compare rates.
Violation
Top insurance provider
Monthly coverage cost 
Improper passing
$80
No seat belt
$110
Driving on a suspended license
$112
Careless driving
$199

Cheap car insurance quotes in Macon by age

Car insurance rates follow an inverse bell curve as you age—they start high when you're a teen driver, drop in the middle, and then rise again as you become a senior driver.
Here's how much you could pay for coverage based on your age in Macon:
Age group
Monthly minimum coverage cost
Monthly full coverage cost
18-21
$357
$461
22-25
$247
$327
26-34
$173
$241
35-44
$138
$190
45-54
$132
$179
55-64
$133
$188
65+
$133
$191

Cheapest car insurance in Macon for young drivers

In general,
teen drivers
between 16 and 19 pay the highest insurance rates of any demographic because they are the most likely to be involved in a car accident. 
If you’ve got a young driver on your insurance policy, consider investing in full-coverage car insurance with one of these low cost insurers:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost 
Clearcover
$113
$225
$183
$250
$199
$303
$257
$344

Cheapest car insurance in Macon for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-54 see some of the cheapest rates for all age demographics, with rates rising again after Macon motorists turn 55+. 
Although drivers in this age demographic often pay cheaper premiums, motorists can still save with these insurers:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost 
$68
$163
$72
$156
$85
$185
$97
$170
$128
$197
Additionally, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Macon for senior drivers

Car insurance rates for senior drivers in Macon generally climb after their 54th birthday for several reasons:
  • They may experience a decline in vision, hearing, and reaction time
  • They are at an increased risk of being involved in a car accident
  • They are more likely to suffer severe injuries in a collision 
The best car insurance companies for seniors
in Macon offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs. Check out some of the cheapest insurers in Macon for senior car insurance:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
$58
$121
$69
$112
$97
$147
$110
$180
$113
$116
$114
$152

Cheap car insurance quotes in Macon based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Macon.
Take a look at some of the current lowest cost providers in the city for full coverage insurance after a lapse:
Insurance company
Monthly full coverage cost 
$160
$176
$208
$213
$227
And for those seeking a minimum coverage policy, you can find the most savings with these providers:
Insurance company
Monthly minimum coverage cost
$108
$115
$124
Safe Auto
$150
$160
Gainsco
$181

Cheap car insurance quotes in Macon for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers will see their insurance rates increase if their credit score is 600 or less. 
Credit score
Monthly coverage cost
< 600
$123
601-699
$100
700+
$90
Compared to their poor credit counterparts, Macon drivers with a high credit score (700+) pay less for car insurance! However, drivers with low credit scores (< 600) can still typically find lower than average rates with these insurers:
Insurance company
Monthly coverage cost 
Safe Auto
$104
$115
$117
$123
$150
$184
$200

How to lower car insurance costs in Macon

1. Shop around and compare quotes

Unless you compare auto insurance quotes, you can't be 100% sure that you're getting the best deal. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
It may seem like a huge task, but Jerry makes it quick! Sign up in 45 seconds and compare five to seven quotes in less than a minute. You get all the benefits of comparison shopping without having to invest any time or money.

2. Hunt for car insurance discounts

Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQs

How much is car insurance in Macon?

People living in Macon pay on average $135 per month – or $1,615 per year – on state-minimum liability coverage. Full coverage in Macon costs on average $251 per month or $3,016 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Macon?

No single provider will offer the ‘cheapest’ rates for all drivers—however, most Macon motorists find affordable full coverage premiums with Clearcover, 
Nationwide
, and 
State Auto
. For minimum coverage, 
Travelers
 and 
State Auto
 often offer lower than average rates.

What is the minimum car insurance in Macon, Georgia?

The state-minimum car insurance in Macon, Georgia is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

What is the best car insurance in Macon?

Most drivers in Macon find the best rates for full and minimum coverage policies with Clearcover, 
Travelers
, and 
Nationwide
.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.