Cheapest and Best Car Insurance Companies in Macon, GA

The best insurance provider for you depends on your age and driving profile. For instance, Auto-Owners is the cheapest option in Macon for those with a speeding ticket and is the best for service and affordability overall. Country Financial is cheapest for those with an accident and those in the military. Lastly, Allstate is best for those with a DUI and families with teens.

The following companies offer the cheapest minimum coverage auto insurance rates in Macon:

• Auto-Owners Insurance Co: $340 per year
• Country Financial: $340 per year

At $311 per year, Auto-Owners Insurance Co. also offers the most affordable coverage in Georgia as of October 2022, though availability and cost may differ depending on your location. An Allstate minimum insurance premium is the most expensive in Macon, averaging $579 annually.

In Georgia, insurance policies need to meet the following minimum limits for bodily injury and property damage coverage:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

If you cause an accident and have bodily injury liability insurance, your insurer will cover the affected parties' medical costs up to a maximum of $25,000 per person and $50,000 per accident. With a minimum coverage policy, you are responsible for costs exceeding this amount.

The following providers offer the cheapest full coverage auto insurance premiums in Macon:

• Country Financial: $724 per year
• Auto-Owners Insurance Co: $825 per year

As of October 2022, Country Financial also provides the least expensive full coverage in Georgia for $665 annually, though prices may differ depending on where you live. Progressive has the most expensive full coverage insurance plan in Macon at an annual cost of $1,209.

A full coverage policy includes collision and comprehensive coverage.

• Collision Insurance: Covers the expense of repairing damage to your automobile due to a collision with another vehicle or object.
• Comprehensive Insurance: Covers theft or vandalism and damage not caused by a collision, such as flooding or fire.

Buying comprehensive insurance is generally a wise financial move if you have a new car. However, if your vehicle is older or low-value, the added cost of full coverage may not be cost-effective.

The following insurers in Macon provide full coverage vehicle insurance at the most reasonable rates to drivers with violations:

• Speeding ticket: Auto-Owners Insurance Co ($928 per year)
• At-fault accident: Country Financial ($1,017 per year)
• DUI: Allstate ($1,148 per year)

Mercury has the highest annual rates after an at-fault accident ($2,365) and after a speeding ticket ($1,679). If you have a DUI, GEICO charges the highest annual premium at $3,345.

A driver with a poor driving record will typically pay significantly more for car insurance than a driver with a clean record, even with the cheapest rates.

After a violation, your premium will usually increase relative to the severity of the offense. For instance, in Macon, full coverage insurance premiums for a 40-year-old driver with a DUI charge will increase an average of $746 annually. Those with speeding tickets will see a lower average increase of $254 per year.

To help you find alternatives, MoneyGeek analyzed the most affordable auto insurance providers for those with a poor driving history.

The following providers offer the most affordable insurance rates for covering a teen driver under a family policy:

• Allstate: $1,545 per year for female teens; $1,617 per year for male teens
• Auto-Owners Insurance Co: $2,044 per year for female teens; $2,408 per year for male teens

State Farm is the most expensive provider for teens in Macon, with annual rates for female teens at $2,873 and male teens at $3,678. Due to their estimated insurance risk, boys usually pay higher rates than girls. However, as they approach early adulthood, the gap in pricing tends to disappear.

The cost of purchasing an individual auto insurance policy for teen drivers is significantly higher than adding them to a family policy. For instance, buying an individual teen policy for a 16-year-old male teen in Macon costs an average of $3,112 more than adding them to a family plan. MoneyGeek also identified the cheapest teen rates for auto insurance to help you explore your options.

The following companies in Macon, Georgia, provide military members and their families with full coverage vehicle insurance at the most competitive rates:

• Country Financial: $724 per year
• USAA: $793 per year

In comparison, Auto-Owners Insurance Co. and Country Financial offer the lowest annual minimum coverage at $340 per year. If you want to look at alternative options, MoneyGeek has also reviewed the most affordable military car insurance providers.

Depending on the number of details you need to submit, generating an online quote from a single insurance company in Macon can take 15 minutes or more.

MoneyGeek’s insurance calculator gives you a quick estimate of the premium. You only need to enter your age, car information, driving history and desired level of coverage.

Your preferences and financial situation will help determine which Macon insurance provider is ideal for you. According to MoneyGeek's research, the following companies offer some of the best auto insurance in Georgia:

• Best overall: Country Financial (MoneyGeek score 81 out of 100)
• Best for service: Auto-Owners Insurance Co (MoneyGeek score 66 out of 100)
• Best cheap: Auto-Owners Insurance Co (MoneyGeek score 84 out of 100)

A company's MoneyGeek score can vary depending on the category. USAA auto insurance is one of MoneyGeek's top options for qualified military personnel and their families, earning an overall score of 80 out of 100.

The following are the top-rated service providers in Macon based on comparisons of pricing, claims handling and client satisfaction:

• Country Financial: MoneyGeek score 81 out of 100 ($724 per year)
• Auto-Owners Insurance Co: MoneyGeek score 75 out of 100 ($825 per year)

Country Financial has top scores for affordability and customer satisfaction, making its auto insurance policies a worthwhile investment for most drivers. If you're a military member, USAA is one of the top options for veterans and their families, with a MoneyGeek score of 80 out of 100.

Regardless of price, the following businesses offer Macon's best full coverage auto insurance according to MoneyGeek's criteria for customer experience:

• Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($825 per year)
• Country Financial: MoneyGeek score 65 out of 100 ($724 per year)

Auto-Owners Insurance Co has a high customer satisfaction score and is tied for first place in terms of key coverage options. It offers cheap premiums compared to most providers, making it good value.

MoneyGeek compared rates and quality of service to find the best auto insurance in Macon that satisfies Georgia's minimum requirements.

• Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($340 per year)
• Country Financial: MoneyGeek score 82 out of 100 ($340 per year)

Auto-Owners Insurance Co offers the most reasonable prices and key coverage types. If you're buying minimum coverage, remember that it will provide less protection against liability claims than a full coverage policy. It also won't pay for damages to your car.

The typical annual premium for full coverage vehicle insurance in Macon is $986. This amount is $27 and $243 lower than the average cost of auto insurance in Georgia ($1,012) and the average cost of auto insurance nationwide ($1,265) as of October 2022. These rates are for a full-coverage insurance policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage. Location is one of many factors that affect car insurance rates.