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How much is car insurance in Macon?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Macon are in line with the rest of Georgia.
Residents of Macon might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $25 cheaper than it is in Macon.
While these are the average costs to insure your vehicle in Macon, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Macon to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Macon Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $72 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Macon drivers may see their rates rise again once they hit retirement age.
Macon Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Macon, this difference shakes out to about $10 per month. As you can see in the table above, female drivers in the area typically pay $102 on average, while female drivers typically pay $112 each month.
Macon Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Macon, a driving record with one accident will usually get you a rate around $134 a month. In addition, drivers with one ticket can expect to pay around $126 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Macon Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$102|
If you look at the first table above, the cheapest vehicles to insure in Macon are usually trucks and vans, at $94 per month.
Car owners can expect to pay an average of around $109 a month for their policy, while SUVs usually cost around $101 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Macon, the most expensive vehicles to insure are vehicles four-to-five years old.
Macon Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Macon, the difference in rates based on relationship status can be as much as $25 a month.
Macon Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Macon. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Macon, GA
Recent trends in car insurance for Macon drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in Macon increased consistently from 2017-2021. It finished down in 2022, at $97.
How does Macon compare to neighboring areas?
Why are car insurance rates in Macon different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area crime rates
- Rate of car accidents
- Off-street parking availability
- Number of drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Macon?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Macon.
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Macon Auto Insurance FAQs
What factors affect car insurance quotes in Macon?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Macon different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Macon?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Macon?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Macon or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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