Macon, GA Car Insurance

The average monthly cost for car insurance in Macon is about $105. Learn more in our handy guide below.
What rates should residents of Macon expect to pay for their car insurance? How do rates in Macon measure up compared to neighboring areas, including Georgia as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Macon?

Area Average Monthly Car Insurance Premium
Macon$105
GA$106
United States$81

Based on the chart above, you can see that auto insurance rates in Macon are in line with rates across the rest of Georgia.

On the flip side, residents of Macon might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Macon is about $24 more expensive than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Macon to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$167
25-34$106
35-44$96
45-54$87
55-64$81
65+$93

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $74 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Macon drivers may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$112
Female$102

Car insurance rates for men are usually slightly more expensive than they are for women. In Macon, the difference is around $10 a month. As illustrated in the table above, female drivers in the area pay about $102 on average, while male drivers pay around $112 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$184
1 Ticket$124
Multiple Tickets$159

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Macon, having a single accident on your record will usually get you rates around $133 a month. Likewise, drivers with one ticket will be looking at a rate of around $124 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$116
2-3 Years$110
4-5 Years$120
6-7 Years$120
8-10 Years$106
11-14 Years$105
15 Years or Older$102

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Macon, with drivers paying around $93 per month for auto insurance.

SUV drivers will see rates of about $102 for car insurance, while car owners typically pay around $109 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Macon, the most expensive vehicles to insure are vehicles six-to-seven years old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$111
Married$85
Divorced$83
Widowed$91

Overall, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Macon is about $26 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$96
Rent$109
Live with parents$121

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Macon, expect to pay around $13 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Macon, GA

Recent trends in car insurance for Macon drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance coverage in Macon went up steadily from 2017-2021. It finished down in 2022, at $93.

How does Macon compare to neighboring areas?

Why are car insurance rates in Macon different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around your home address. These factors include things like:

  • Road Safety (frequency of car accidents)
  • Area laws
  • Amount of drivers
  • Prevalence of crime
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Macon?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Macon.

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Macon 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Macon different from other neighboring cities?

Things like local laws, crime rates, 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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Macon or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes