Cheapest and Best Car Insurance in Macon, GA (July 2024)

In Macon, Country Financial offers the cheapest full coverage, while Allstate is the top pick for families with teens, differing from the minimum coverage leader, Country Financial. For stellar customer service and overall value, combining price and service, Auto-Owners excels. Choosing the best insurance depends on individual needs and coverage preferences.

MoneyGeek found that Country Financial offers the cheapest car insurance in Macon for minimum coverage policies.

• Country Financial: $439 per year
• Auto-Owners: $538 per year

State Farm has the most expensive minimum coverage policy in Macon, with an annual rate of $983. The difference in cost between Country Financial and State Farm is $544 annually.

In Georgia, including in Macon, state law has set the minimum car insurance coverage requirements. Drivers are to maintain the following minimums:

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

If you're insured for the minimum bodily injury liability and you're at fault in an accident where one person's medical costs reach $30,000, your policy would cover up to $25,000. The remaining $5,000 would be your responsibility to pay out-of-pocket.

Country Financial offers the most affordable cheapest full coverage car insurance in Macon.

• Country Financial: $814 per year
• Auto-Owners: $1,123 per year

Progressive offers the most expensive full coverage policy in Macon, with an annual premium of $1,929, a contrast to Country Financial's $814. This significant price gap highlights the importance of shopping around.

A full coverage insurance policy increases the liability limits above the state-required minimums to substantial amounts. The policy stipulates coverage of up to $100,000 for bodily injury per individual, $300,000 for all injuries per accident and $100,000 for property damage per incident. This is referred to as a 100/300/100 policy configuration.

With this broader coverage, the policy also encompasses comprehensive and collision insurance:

• Collision Insurance: This covers repair or replacement costs for your automobile if it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This provides coverage for your vehicle's repair costs in cases unrelated to collisions, such as theft or natural disasters and being struck by an animal like a deer.

If you have recently invested in a new vehicle, securing full coverage insurance is a wise decision. For owners of older vehicles, the additional cost may not justify the benefits offered by full coverage insurance. When assessing how much car insurance coverage you need, it's crucial to weigh the increased premiums that come with extra protection against the risk of being underinsured.

MoneyGeek found that Country Financial is the most affordable option in Macon for drivers with a problematic driving record seeking full coverage insurance, regardless of their specific violation.

• Speeding Ticket: Country Financial ($1,112 per year)
• At-fault accident: Country Financial ($1,171 per year)
• DUI: Country Financial ($1,358 per year)

Among the companies evaluated, GEICO presents the highest rates for these incidents, with the steepest premiums for drivers with a DUI, reaching $4,598 annually. The disparity in rates shows that a DUI can cost $3,486 more than a speeding ticket per year with the same insurer, illustrating the financial impact of more severe offenses on car insurance premiums.

The severity of a driving infraction has a direct correlation with insurance premium increases as insurers assess the heightened risk associated with serious offenses. In Macon, vehicles with a DUI on record pay on average $3,364 per year for insurance, compared to $2,416 for those with a speeding ticket.

MoneyGeek found that Allstate offers the most affordable full coverage car insurance for male and female teens in Macon. For those seeking the cheapest car insurance for teens, consider the following options:

• Allstate: $1,545 per year for female teens and $1,617 per year for male teens
• GEICO: $2,044 per year for female teens and $2,529 per year for male teens

These rates reflect the cost to insure a combination of two parents and a teen driver. While Allstate provides the least expensive policy, State Farm's family policy for teens is the priciest in Macon, with annual premiums of $2,873 for females and $3,678 for males.

In Macon, young drivers face steep costs when insuring their vehicles. On average, a teen purchasing car insurance independently will encounter an annual premium of $6,115, starkly higher than the $2,664 average if added to a family policy. Insurers justify this large discrepancy due to teens' higher accident risk, lack of credit history and minimal driving experience.

MoneyGeek found that Country Financial offers the most affordable full coverage car insurance for military backgrounds in Macon. For those with a record of military service, finding the cheapest car insurance for military backgrounds is crucial, and MoneyGeek's analysis provides a clear guide.

• Country Financial: $814 per year
• Auto-Owners: $1,123 per year

While USAA ranks third in Macon with an annual premium of $1,142, its rates are slightly higher than the top competitors. However, USAA is renowned for its services specifically tailored to the needs of active-duty military members.

Use MoneyGeek's car insurance calculator to find premiums in Macon. By inputting just a few details such as age, driving history, credit score and coverage preferences, you'll receive a tailored rate estimate.

Choosing the right auto insurance for you hinges on what you value most: service quality, cost, coverage options and other factors. MoneyGeek's unique scoring systems reflect these variances, revealing that in Macon, Auto-Owners is the preeminent choice for different needs:

• Best overall: Auto-Owners (Score: 86 out of 100)
• Best for service: Auto-Owners (Score: 89 out of 100)
• Best cheap: Auto-Owners (Score: 89 out of 100)

MoneyGeek found that Auto-Owners offers the best option for car insurance in Macon, ensuring drivers can navigate the roadways with confidence in their coverage. For those seeking the best car insurance, here are the two top providers in Macon:

• Auto-Owners: MoneyGeek score of 86 out of 100 ($1,123 per year)
• Country Financial: MoneyGeek score of 71 out of 100 ($814 per year)

Auto-Owners has high satisfaction and claims scores, impacting its overall MoneyGeek score.

Auto-Owners is the top car insurance provider for customer service in Macon. This distinction underscores the company's strong performance in client satisfaction, efficient claims processing and comprehensive coverages.

• Auto-Owners: MoneyGeek score of 89 out of 100 ($1,123 per year)
• Mercury: MoneyGeek score of 73 out of 100 ($1,598 per year)

MoneyGeek found that Auto-Owners Insurance Co offers the best cheap car insurance in Macon, balancing affordable rates with quality service. This score evaluates companies based on affordability, customer satisfaction and claims handling. Here are the top two providers:

• Auto-Owners: MoneyGeek score of 89 out of 100 ($538 per year)
• Country Financial: MoneyGeek score of 74 out of 100 ($439 per year)

Auto-Owners has a superior MoneyGeek score, which reflects its excellent claims handling and customer satisfaction. Additionally, their score is for a minimum coverage policy, ensuring that drivers can obtain necessary coverage without overpaying.

In Macon, Georgia, the average car insurance cost is $1,438, which is slightly below the state's average. When compared to the average car insurance cost in Georgia, Macon's premiums are lower, with the state average at $1,476. The state of Georgia has an average that is also less than the national average car insurance cost, which comes in at $1,781.

Location among other factors, influences car insurance rates. Urban areas with higher traffic density typically have higher insurance premiums due to an increased risk of accidents and theft. According to the data, Atlanta has the most expensive premium in Georgia at $1,894, while Athens has the cheapest premium, costing only $1,241.