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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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The average cost of car insurance in Macon, Georgia, is $257 per month. The city is a healthcare and education hub and a popular tourist destination, leading to more traffic and a higher accident risk. Macon also has an above-average vehicle theft rate, contributing to higher premiums.[1]
That said, many insurers offer rates well below the state average. Mile Auto, Progressive, and Auto-Owners have the cheapest average rates in Macon, with average liability premiums starting at just $112 per month.
Keep reading to find out which insurers offer the best deals for Macon drivers, how to choose the right coverage, and ways to lower your monthly premium.
Mile Auto is the cheapest auto insurance company in Macon, with rates starting at $112 per month.
Macon drivers pay a monthly average of $210 for liability-only insurance and $305 for full coverage.
Georgia law requires drivers to have at least 25/50/25 of liability insurance.[2]
Regardless of the average insurance rates in Macon, several companies offer premiums that are significantly cheaper than the citywide average. Everything from your location to your age can affect your rates, and insurers consider these factors differently.
The table below shows Macon’s cheapest auto insurers, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $112 |
| Progressive | $113 |
| Auto-Owners | $124 |
| State Farm | $134 |
| COUNTRY Financial | $135 |
| Allstate | $146 |
| USAA | $156 |
| Mercury | $157 |
| Root | $211 |
| Direct Auto | $215 |
| GAINSCO | $217 |
| GEICO | $229 |
| Clearcover | $238 |
| Bristol West | $246 |
| National General | $252 |
| Safeco | $253 |
| AssuranceAmerica | $259 |
| The General | $265 |
| Foremost | $310 |
| Nationwide | $322 |
Mile Auto offers the cheapest car insurance company in Macon, with rates starting at $112 per month for liability coverage.
In the following sections, we break down the cheapest companies by the top rating factors.
Find rates starting as low as $112 per month.
Although the companies above are a good starting point, your personal rate can vary widely depending on factors like your age, driving history, location, and credit history.
Take a look at the table below for the companies offering the cheapest rates in Macon for different driver backgrounds and coverage needs, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $112 |
| Full coverage | Auto-Owners | $164 |
| Teens | Progressive | $202 |
| Seniors | Mile Auto | $89 |
| Drivers with a speeding ticket | Mile Auto | $132 |
| Drivers with an at-fault accident | Mile Auto | $149 |
| Drivers with a DUI | Mile Auto | $173 |
| Drivers with excellent credit | Mile Auto | $94 |
| Drivers with poor credit | Mile Auto | $138 |
Next, let’s break down the rates for each driver and coverage type.
The average cost of minimum-coverage car insurance in Macon is $210 per month, according to Compare.com data.
But most experts recommend choosing liability limits higher than the state requires. That’s because medical bills, vehicle repairs, and legal fees can quickly add up — and you’ll be on the hook for anything your insurance doesn’t cover.
The chart below highlights the five cheapest companies for state-minimum coverage in Macon, according to our research.
Most drivers should consider full-coverage car insurance because it covers damage and injuries to others, yourself, and your vehicle. Full coverage typically includes liability, comprehensive coverage, and collision coverage, but it can also include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage, depending on where you live.
If you finance or lease your car, your lender will likely require you to purchase a full-coverage policy.
Monthly car insurance rates average $305 for full coverage in Macon, according to our research. But even with higher premiums, several insurers usually offer full coverage for close to the citywide average liability rate=.
Check out the chart below for the five cheapest insurers in Macon for full coverage, according to Compare.com data.
Teens pay some of the highest auto insurance premiums of any age group. Younger drivers lack experience and engage in risky behaviors like speeding, resulting in more accidents.[3] That added risk means insurers charge more to offset it.
The average cost of car insurance for Macon teens is $459 per month. But it’s still possible to find a good deal if you’re a young driver or have one on your policy.
The chart below shows the five cheapest insurers in Macon for teens, according to Compare.com data.
Seniors typically pay the lowest rates of any age group. That’s because they don’t drive as much, limit nighttime driving, and get in fewer accidents, making them less risky to insure.[4]
Older drivers pay an average of $226 per month for car insurance in Macon. But even with cheaper average rates, you can probably find an even better deal from one of the companies in the chart below.
If you get a ticket, you can expect your rates to go up the next time your policy renews. Insurers base premiums on the likelihood you’ll file a claim, and getting a speeding ticket increases your chances.[5] Our research shows that even a single speeding ticket can cause average rates to rise by 37% nationwide.
The average monthly rate for Macon drivers with a recent ticket is $314. But several insurers offer lower rates.
The chart below shows the five cheapest insurers in Macon for drivers with a recent ticket, according to Compare.com data.
Your car insurance rates can jump substantially if you cause an accident. Our research shows that a single at-fault accident raises premiums by an average of 41% nationwide.
Drivers in Macon with a recent accident pay an average of $344 per month for car insurance, according to Compare.com data.
But you can likely find a better deal with one of the five insurers highlighted in the chart below.
A driving under the influence (DUI) conviction is a serious infraction, causing the sharpest increase in car insurance costs of any incident. Our research shows average rates increase by an average of 61% nationwide after a DUI.
Monthly premiums average $414 in Macon after a DUI. But you’re not necessarily stuck with sky-high rates. Some insurers offer affordable coverage for high-risk drivers with DUIs.
Check out the chart below for Macon’s five cheapest insurers for people with DUIs, according to Compare.com data.
Some companies consider your credit history when calculating rates. Drivers with poor credit tend to file more claims than people with higher scores.[6] Our research shows drivers with less-than-perfect credit pay 20% more for car insurance than people with excellent credit.
Macon drivers with poor credit pay a monthly average of $321 for car insurance. But not all companies use your credit history, and some offer highly affordable rates regardless of your credit history.
The chart below shows Macon’s five cheapest insurers for drivers with poor credit, according to Compare.com data.
Compare Macon’s top insurers and save money in seconds.
Like almost every state, Georgia requires its drivers to have auto insurance. To legally drive in the Peach State, you must have at least the following liability insurance limits:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage coverage
The Georgia Commissioner of Insurance and Safety Fire also recommends uninsured motorist coverage. Georgia has the seventh-highest rate of uninsured drivers in the U.S., with around 17% driving without car insurance.[7]
Most experts recommend buying more car insurance coverage than the state’s minimum requirements. Minimum coverage often falls short. For example, if you cause a crash with $40,000 of property damage but your policy only covers $25,000, you’d have to pay the rest out of pocket.
Plus, lenders usually require comprehensive and collision coverage if you finance or lease your car.
Below, we answered some common questions drivers ask about auto insurance in Macon, Georgia.
Car insurance in Macon averages $257 per month, according to Compare.com data. State-minimum liability costs an average of $210 per month, while full coverage averages $305 per month.
Mile Auto is the cheapest auto insurance company in Macon, with average rates starting at $112 per month, according to Compare.com data. But your personal rates can vary based on factors like your age, ZIP code, and driving habits.
It depends. How much you pay for car insurance depends on several factors, including your address, age, and claims history. That said, the average rate for auto insurance in Macon is $257 per month, according to Compare.com data. Compare that to the national average of $143 per month.
Car insurance in Georgia averages $208 per month, according to Compare.com data. Comparing quotes from multiple companies can help you find the cheapest rate for your driving profile and coverage needs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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