Cheapest and Best Car Insurance Companies in Macon, GA


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceMacon
2024

Cheapest and Best Car Insurance in Macon, GA

Why Trust MoneyGeek? MoneyGeek's rated vehicle insurance providers using information from the Georgia Office of Insurance and Safety Fire Commissioner and Quadrant Information Systems.

35,648Quotes Analyzed
 
8Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$340Monthly Premium$28
Country FinancialAnnual Premium$340Monthly Premium$28
GEICOAnnual Premium$470Monthly Premium$39
MercuryAnnual Premium$472Monthly Premium$39
ProgressiveAnnual Premium$491Monthly Premium$41
State FarmAnnual Premium$565Monthly Premium$47
AllstateAnnual Premium$579Monthly Premium$48

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$724Monthly Premium$60
Auto-Owners Insurance CoAnnual Premium$825Monthly Premium$69
AllstateAnnual Premium$866Monthly Premium$72
GEICOAnnual Premium$1,049Monthly Premium$87
State FarmAnnual Premium$1,100Monthly Premium$92
MercuryAnnual Premium$1,128Monthly Premium$94
ProgressiveAnnual Premium$1,209Monthly Premium$101

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.

Loading...

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Auto-Owners Insurance CoAnnual Premium$928Monthly Premium$77
AllstateAnnual Premium$970Monthly Premium$81
Country FinancialAnnual Premium$983Monthly Premium$82
State FarmAnnual Premium$1,244Monthly Premium$104
GEICOAnnual Premium$1,255Monthly Premium$105
ProgressiveAnnual Premium$1,619Monthly Premium$135
MercuryAnnual Premium$1,679Monthly Premium$140

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$1,545Individual Plan Monthly Premium$7,721
GEICOFamily Plan Annual Premium$2,044Individual Plan Monthly Premium$11,193
Auto-Owners Insurance CoFamily Plan Annual Premium$2,339Individual Plan Monthly Premium$6,162
ProgressiveFamily Plan Annual Premium$2,759Individual Plan Monthly Premium$13,194
State FarmFamily Plan Annual Premium$2,873Individual Plan Monthly Premium$6,498

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Country FinancialAnnual Premium$724Monthly Premium$60
USAAAnnual Premium$793Monthly Premium$66
Auto-Owners Insurance CoAnnual Premium$825Monthly Premium$69
AllstateAnnual Premium$866Monthly Premium$72
GEICOAnnual Premium$1,049Monthly Premium$87
State FarmAnnual Premium$1,100Monthly Premium$92
MercuryAnnual Premium$1,128Monthly Premium$94
ProgressiveAnnual Premium$1,209Monthly Premium$101

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jun 13, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

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

checkmark

Offers the cheapest premiums

checkmark

Top-rated customer service

checkmark

Has electronics coverage and glass deductible modification

cons

close

Lacks gap insurance and OEM coverage

close

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

pros

checkmark

Offers key coverage types for drivers

checkmark

High customer satisfaction rating

checkmark

Offers diminished value coverage, accident forgiveness and gap insurance

cons

close

Claims process could be improved

close

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 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

pros

checkmark

An affordable minimum coverage policy costs about $340 per year

checkmark

Offers discounts for bundling policies, paperless billing and responsible payments

checkmark

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

cons

close

No defensive driving discount

close

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 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


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

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