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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.

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2023

Cheapest and Best Car Insurance in Macon, GA

Cheapest Minimum Liability Car Insurance in Macon

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.

Company
Annual Premium
Monthly Premium

Country Financial

$303

$25

Auto-Owners Insurance Co

$340

$28

Country Financial

$340

$28

Auto-Owners Insurance Co

$412

$34

GEICO

$449

$37

GEICO

$470

$39

Mercury

$472

$39

Mercury

$477

$40

Auto-Owners Insurance Co

$482

$40

Progressive

$482

$40

Progressive

$491

$41

Country Financial

$495

$41

State Farm

$531

$44

State Farm

$565

$47

Allstate

$579

$48

Allstate

$588

$49

Progressive

$590

$49

Allstate

$630

$53

Country Financial

$632

$53

Mercury

$681

$57

State Farm

$689

$57

Country Financial

$724

$60

GEICO

$806

$67

Auto-Owners Insurance Co

$825

$69

Allstate

$866

$72

Auto-Owners Insurance Co

$876

$73

Allstate

$915

$76

Allstate

$937

$78

GEICO

$964

$80

State Farm

$1,010

$84

Country Financial

$1,046

$87

GEICO

$1,049

$87

Mercury

$1,074

$90

State Farm

$1,100

$92

Mercury

$1,128

$94

Progressive

$1,153

$96

Auto-Owners Insurance Co

$1,186

$99

Progressive

$1,209

$101

State Farm

$1,389

$116

Progressive

$1,501

$125

Mercury

$1,591

$133

GEICO

$1,665

$139

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.

Cheapest Full Coverage Car Insurance in Macon

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.

Company
Annual Premium
Monthly Premium

Country Financial

$303

$25

Auto-Owners Insurance Co

$340

$28

Country Financial

$340

$28

Auto-Owners Insurance Co

$412

$34

GEICO

$449

$37

GEICO

$470

$39

Mercury

$472

$39

Mercury

$477

$40

Auto-Owners Insurance Co

$482

$40

Progressive

$482

$40

Progressive

$491

$41

Country Financial

$495

$41

State Farm

$531

$44

State Farm

$565

$47

Allstate

$579

$48

Allstate

$588

$49

Progressive

$590

$49

Allstate

$630

$53

Country Financial

$632

$53

Mercury

$681

$57

State Farm

$689

$57

Country Financial

$724

$60

GEICO

$806

$67

Auto-Owners Insurance Co

$825

$69

Allstate

$866

$72

Auto-Owners Insurance Co

$876

$73

Allstate

$915

$76

Allstate

$937

$78

GEICO

$964

$80

State Farm

$1,010

$84

Country Financial

$1,046

$87

GEICO

$1,049

$87

Mercury

$1,074

$90

State Farm

$1,100

$92

Mercury

$1,128

$94

Progressive

$1,153

$96

Auto-Owners Insurance Co

$1,186

$99

Progressive

$1,209

$101

State Farm

$1,389

$116

Progressive

$1,501

$125

Mercury

$1,591

$133

GEICO

$1,665

$139

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.

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Cheapest Car Insurance in Macon After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$390

$33

Country Financial

$414

$35

GEICO

$449

$37

Country Financial

$467

$39

Auto-Owners Insurance Co

$474

$40

Country Financial

$492

$41

Auto-Owners Insurance Co

$502

$42

Country Financial

$509

$42

Country Financial

$519

$43

Auto-Owners Insurance Co

$554

$46

GEICO

$563

$47

Country Financial

$584

$49

Auto-Owners Insurance Co

$610

$51

State Farm

$610

$51

State Farm

$610

$51

Allstate

$634

$53

Allstate

$643

$54

State Farm

$649

$54

State Farm

$649

$54

Progressive

$661

$55

State Farm

$672

$56

Country Financial

$680

$57

GEICO

$683

$57

Allstate

$694

$58

Mercury

$702

$58

Country Financial

$704

$59

Auto-Owners Insurance Co

$713

$59

State Farm

$714

$60

Progressive

$719

$60

GEICO

$720

$60

Allstate

$729

$61

Mercury

$730

$61

Allstate

$741

$62

Allstate

$741

$62

Allstate

$751

$63

Progressive

$757

$63

Auto-Owners Insurance Co

$763

$64

Progressive

$770

$64

State Farm

$791

$66

State Farm

$791

$66

Progressive

$798

$67

Mercury

$800

$67

GEICO

$806

$67

Allstate

$806

$67

Allstate

$820

$68

Progressive

$826

$69

Country Financial

$849

$71

Country Financial

$858

$72

State Farm

$870

$72

Mercury

$879

$73

Mercury

$924

$77

Auto-Owners Insurance Co

$927

$77

Auto-Owners Insurance Co

$928

$77

Mercury

$951

$79

Country Financial

$957

$80

Progressive

$958

$80

GEICO

$964

$80

Allstate

$970

$81

Country Financial

$983

$82

Auto-Owners Insurance Co

$992

$83

Country Financial

$1,017

$85

Allstate

$1,027

$86

GEICO

$1,041

$87

Country Financial

$1,043

$87

Allstate

$1,055

$88

Auto-Owners Insurance Co

$1,083

$90

Progressive

$1,090

$91

Mercury

$1,098

$91

Progressive

$1,119

$93

State Farm

$1,145

$95

State Farm

$1,145

$95

Allstate

$1,148

$96

Auto-Owners Insurance Co

$1,153

$96

Allstate

$1,157

$96

Country Financial

$1,190

$99

Allstate

$1,218

$101

Allstate

$1,226

$102

State Farm

$1,244

$104

State Farm

$1,244

$104

Auto-Owners Insurance Co

$1,246

$104

State Farm

$1,249

$104

GEICO

$1,255

$105

Allstate

$1,259

$105

Allstate

$1,269

$106

Auto-Owners Insurance Co

$1,339

$112

Mercury

$1,346

$112

State Farm

$1,356

$113

Mercury

$1,377

$115

GEICO

$1,384

$115

Country Financial

$1,413

$118

Country Financial

$1,426

$119

GEICO

$1,428

$119

GEICO

$1,541

$128

State Farm

$1,574

$131

State Farm

$1,574

$131

Mercury

$1,588

$132

Progressive

$1,619

$135

GEICO

$1,645

$137

GEICO

$1,665

$139

Auto-Owners Insurance Co

$1,674

$139

Auto-Owners Insurance Co

$1,678

$140

Mercury

$1,679

$140

Mercury

$1,691

$141

State Farm

$1,716

$143

Country Financial

$1,732

$144

Progressive

$1,754

$146

GEICO

$1,837

$153

Auto-Owners Insurance Co

$1,840

$153

Mercury

$1,881

$157

Progressive

$1,928

$161

Progressive

$1,943

$162

Progressive

$2,066

$172

Mercury

$2,074

$173

GEICO

$2,129

$177

Mercury

$2,164

$180

Progressive

$2,243

$187

Progressive

$2,288

$191

Mercury

$2,365

$197

Auto-Owners Insurance Co

$2,456

$205

Progressive

$2,492

$208

Progressive

$2,629

$219

Mercury

$2,756

$230

GEICO

$2,769

$231

Mercury

$2,964

$247

GEICO

$3,345

$279

GEICO

$3,659

$305

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.

Cheapest Car Insurance in Macon for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$864

$2,588

GEICO

$940

$2,816

GEICO

$973

$3,303

GEICO

$986

$2,954

Allstate

$1,014

$1,549

Allstate

$1,042

$1,490

Allstate

$1,092

$2,024

Allstate

$1,092

$1,667

Allstate

$1,115

$4,252

Allstate

$1,143

$1,976

Auto-Owners Insurance Co

$1,149

$3,242

Allstate

$1,155

$2,117

Allstate

$1,165

$1,666

Allstate

$1,173

$1,790

Auto-Owners Insurance Co

$1,197

$3,188

Allstate

$1,204

$1,927

Allstate

$1,216

$2,254

Allstate

$1,248

$2,665

Allstate

$1,260

$1,801

Auto-Owners Insurance Co

$1,260

$3,356

Allstate

$1,275

$4,497

Auto-Owners Insurance Co

$1,302

$3,774

Auto-Owners Insurance Co

$1,333

$3,551

Allstate

$1,346

$2,739

Auto-Owners Insurance Co

$1,367

$3,858

Auto-Owners Insurance Co

$1,382

$4,424

GEICO

$1,382

$5,286

Allstate

$1,388

$2,545

Auto-Owners Insurance Co

$1,442

$4,069

Allstate

$1,495

$5,705

Allstate

$1,545

$7,721

GEICO

$1,550

$3,453

State Farm

$1,551

$2,496

Auto-Owners Insurance Co

$1,563

$4,992

GEICO

$1,576

$3,040

Auto-Owners Insurance Co

$1,593

$4,051

Allstate

$1,617

$6,751

Progressive

$1,638

$2,777

GEICO

$1,651

$6,166

Allstate

$1,661

$5,855

GEICO

$1,693

$3,266

GEICO

$1,700

$3,451

Progressive

$1,725

$2,866

State Farm

$1,740

$2,799

GEICO

$1,740

$3,356

State Farm

$1,752

$2,762

Progressive

$1,769

$3,787

GEICO

$1,776

$4,384

GEICO

$1,792

$3,556

Progressive

$1,794

$3,042

GEICO

$1,811

$4,035

Auto-Owners Insurance Co

$1,811

$5,151

Auto-Owners Insurance Co

$1,816

$4,619

State Farm

$1,816

$3,361

Auto-Owners Insurance Co

$1,823

$6,619

GEICO

$1,824

$6,978

Auto-Owners Insurance Co

$1,834

$5,858

Progressive

$1,846

$3,474

State Farm

$1,886

$3,035

Progressive

$1,903

$3,226

State Farm

$1,957

$3,638

Progressive

$1,964

$3,263

State Farm

$1,997

$3,148

GEICO

$2,044

$11,193

Progressive

$2,062

$4,002

Progressive

$2,064

$4,518

State Farm

$2,101

$3,887

Progressive

$2,150

$3,572

GEICO

$2,151

$4,949

GEICO

$2,167

$4,300

State Farm

$2,187

$3,448

Auto-Owners Insurance Co

$2,233

$7,238

State Farm

$2,236

$4,669

State Farm

$2,238

$4,160

Auto-Owners Insurance Co

$2,269

$5,843

GEICO

$2,279

$8,511

Auto-Owners Insurance Co

$2,339

$6,162

Progressive

$2,355

$6,063

Auto-Owners Insurance Co

$2,355

$6,066

State Farm

$2,363

$4,345

Auto-Owners Insurance Co

$2,408

$8,156

Progressive

$2,465

$5,278

Progressive

$2,465

$11,610

Auto-Owners Insurance Co

$2,475

$8,020

GEICO

$2,529

$13,654

State Farm

$2,565

$5,329

Progressive

$2,757

$7,264

Progressive

$2,759

$13,194

State Farm

$2,775

$5,838

State Farm

$2,786

$5,122

Progressive

$2,811

$13,411

State Farm

$2,873

$6,498

Progressive

$2,889

$6,322

State Farm

$2,925

$6,075

Progressive

$3,012

$14,184

Progressive

$3,086

$14,809

State Farm

$3,205

$6,660

Progressive

$3,343

$15,950

State Farm

$3,659

$7,604

State Farm

$3,678

$8,667

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.

Cheapest Car Insurance in Macon for Military Drivers

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.

Company
Annual Premium
Monthly Premium

Country Financial

$303

$25

Auto-Owners Insurance Co

$340

$28

Country Financial

$340

$28

USAA

$386

$32

USAA

$398

$33

Auto-Owners Insurance Co

$412

$34

GEICO

$449

$37

USAA

$468

$39

GEICO

$470

$39

Mercury

$472

$39

Mercury

$477

$40

Auto-Owners Insurance Co

$482

$40

Progressive

$482

$40

Progressive

$491

$41

Country Financial

$495

$41

State Farm

$531

$44

State Farm

$565

$47

Allstate

$579

$48

Allstate

$588

$49

Progressive

$590

$49

Allstate

$630

$53

Country Financial

$632

$53

Mercury

$681

$57

State Farm

$689

$57

Country Financial

$724

$60

USAA

$776

$65

USAA

$793

$66

GEICO

$806

$67

Auto-Owners Insurance Co

$825

$69

Allstate

$866

$72

Auto-Owners Insurance Co

$876

$73

Allstate

$915

$76

Allstate

$937

$78

GEICO

$964

$80

USAA

$991

$83

State Farm

$1,010

$84

Country Financial

$1,046

$87

GEICO

$1,049

$87

Mercury

$1,074

$90

State Farm

$1,100

$92

Mercury

$1,128

$94

Progressive

$1,153

$96

Auto-Owners Insurance Co

$1,186

$99

Progressive

$1,209

$101

State Farm

$1,389

$116

Progressive

$1,501

$125

Mercury

$1,591

$133

GEICO

$1,665

$139

How to Compare Cheap Macon Car Insurance Quotes Online

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.

Auto Insurance Calculator

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USAA

Best Car Insurance in Macon: Summary

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.

Best Overall Car Insurance in Macon

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.

How was this MoneyGeek score calculated?

Country Financial

pros

Offers the cheapest premiums

Top-rated customer service

Has electronics coverage and glass deductible modification

cons

Lacks gap insurance and OEM coverage

Claims management process can be improved

COMPANY HIGHLIGHTS

Country Financial scored well in J.D. Power’s customer satisfaction study and has the most affordable rates. In addition to rental car reimbursement and roadside assistance, it offers add-ons like new car replacement, electronics coverage and glass deductible modification.

Since your comprehensive deductible does not repair damage to your windshield, the glass deductible add-on is especially helpful if you live in an area where windshield damage may occur due to the weather. If you're worried about theft, you can get portable electronics and media coverage up to a total limit of $800.

New-car replacement can also come in handy. This coverage will pay for a brand-new automobile of the same make and model if your vehicle is totaled in a covered occurrence and is up to four model years old.

Read MoneyGeek's Country Financial Auto Insurance Review

Best Car Insurance in Macon for Customer Service

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Offers key coverage types for drivers

High customer satisfaction rating

Offers diminished value coverage, accident forgiveness and gap insurance

cons

Claims process could be improved

Does not offer OEM coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance is one of the top providers in J.D. Power’s auto claims customer satisfaction survey and offers broad coverage options.

Auto-Owners Insurance Co is one of the few insurance companies providing diminished value coverage. Even if you try to restore your car to a pre-accident state, its market value will decline. Diminished value coverage compensates you for the car’s reduction in value. Similarly, the gap insurance add-on pays for the difference between the value of your vehicle after an accident and the amount you still owe on your lease or loan,

You can also benefit from the company's at-fault accident forgiveness. Drivers without claims or any major violations for three consecutive years are eligible for this add-on, which waives the accident surcharge.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance in Macon

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable minimum coverage policy costs about $340 per year

Offers discounts for bundling policies, paperless billing and responsible payments

Out of 11 providers, ranks #1 for affordability and is tied in first place for coverage options.

cons

No defensive driving discount

Claims management process could be improved

COMPANY HIGHLIGHTS

Auto-Owners Insurance has the most affordable pricing and ties for first place for the number of coverage options it offers. Auto-Owners offers discounts to help you save even more. These include discounts for bundling policies, good students, safe driving, anti-theft systems, paperless billing and airbags.

You may be eligible for a discount if you have additional qualifying policies with Auto-Owners, such as life insurance. Customers who pay their premiums on time for 36 consecutive months are also eligible for rate reductions.

Requesting a quote before your current insurance expires and paying your annual premium in full and on time are two other strategies to save money with Auto-Owners.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Macon

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.

About Mark Fitzpatrick


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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.