Macon, GA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Macon.
How much does car insurance cost in Macon?
The average cost of car insurance in Macon, is $851 every six months. That's more than the national average of $880. Our guide to Macon car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
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| Car insurance in Macon vs. Georgia | Average 6 Mo. Premium |
|---|---|
| Macon average | $851 |
| Georgia average | $804 |
The Zebra's key takeaways about car insurance in Macon:
- The average cost of a car insurance policy in Macon is $851 per six-month policy — $141 per month.
- The cheapest company in Macon is Georgia Farm Bureau ($493).
- 36% of Zebra customers in Macon stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Macon car insurance rates by company
Company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, Georgia Farm Bureau offers Macon's cheapest rates. See below the best companies for cheap auto insurance in Macon — but don't forget to get personalized car insurance quotes to match your driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Georgia Farm Bureau | $493 |
| USAA | $687 |
| State Farm | $807 |
| GEICO | $857 |
| Progressive | $1,070 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Macon.
Macon auto insurance rates by age
Our data shows that drivers between the ages of 20-29 make up 27% of Macon drivers. The age group that enjoys the lowest auto insurance rates in Macon are drivers in their 50s, who pay an average of $745 every six months. Drivers in their 60s pay marginally higher rates — $770 per six-month policy.
The Macon drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Macon is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Macon is $4,638, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,492 |
| 20s | $1,173 |
| 30s | $843 |
| 40s | $804 |
| 50s | $745 |
| 60s | $770 |
| 70s | $972 |
Macon car insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than drivers with stellar credit. Macon drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 51% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Macon, improving your credit to "Fair" could help you earn a $527 decrease in six-month insurance premiums. Our data tells us 41% of drivers in Macon have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,498 |
| Fair | $971 |
| Good | $851 |
| Very Good | $801 |
| Exceptional | $729 |
Macon car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Macon drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $906 per year versus the city average. A ticket for speeding results in a $457 rate hike, on average, while a DUI violation costs $1,280 per year in insurance premiums.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,491 |
| Reckless Driving | $1,304 |
| At-fault Accident (damages less than $1,000) | $1,208 |
| At-fault Accident (damages > $2,000) | $1,342 |
| Speeding Ticket (16-20 mph over speed limit) | $1,080 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.