Macon, Georgia is a city full of rich history and charm, affectionately known as “The Heart of Georgia,” and home to 153,000 residents. Unfortunately, Macon is also home to higher-than-average auto insurance rates, with residents paying $879 per year for minimum coverage and $2,101 per year for a full coverage insurance policy. The good news is, with comparison shopping and a little homework, you can find the best, cheap car insurance in Macon to fit your needs.
Bankrate took the guesswork out of it for you and reviewed several insurance companies for the best, cheap insurance in Macon. The analysis includes customer service marks, financial strength ratings and the number of policy options and discounts available. Comparing multiple carriers ultimately helps you determine the best car insurance in Macon.
Best car insurance companies in Macon
The best car insurance companies in Macon are Geico, State Farm, Auto-Owners and USAA. These four providers stand out because of their high customer satisfaction ratings, financial strength scores, discounts and coverage options — all while providing affordable premiums.
|Insurance Company||J.D. Power Score
|Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|Geico||857 / 1000||$525||$1,695|
|State Farm||835 / 1000||$561||$1,539|
|Auto-Owners||854 / 1000||$635||$1,644|
|USAA||901 / 1000||$652||$1,595|
Geico consistently offers low rates and a variety of ways to customize your auto insurance policy. Whether you need gap coverage, roadside assistance or mechanical breakdown coverage, you are likely to find exactly what you need for an affordable price. Geico does not skimp on customer service to provide low premiums either — you will find Geico is one of the highest rated national carriers in the Southeast.
State Farm is the largest provider of auto insurance in the country, and there is a reason the company is the size it is. From the digital assets such as a top-rated app, to the coverage options for almost any driving situation, State Farm has a variety of ways to get you covered for less.
Auto-Owners is a regional carrier, servicing 26 states including Georgia. Auto-Owners is a full-service auto insurance provider, with as many discounts available as coverage options. You can customize your policy to include roadside assistance, rental car reimbursement and new car replacement. This company uses a large agency network so you receive the customer service you need while managing your insurance policies.
USAA has been serving members of the military, their families and veterans for nearly 100 years with affordable, comprehensive auto insurance. From the multiple coverage options, including rideshare and gap insurance, to the numerous discounts tailored to servicemembers. USAA offers numerous resources too, including a website and highly-rated app for policy management and quotes.
Cheapest car insurance in Macon
The average cost of car insurance in the United States is $565 per year for minimum coverage, and $1,674 for full coverage. Georgia averages higher than the national average, with $654 per year for minimum coverage and $2,000 per year for full coverage. While the average rates in Macon are even higher than both, there are several less expensive options available — including Geico, which averages $525 per year for minimum coverage.
Bankrate reviewed several carriers in the Macon area for financial stability, coverage options and customer ratings. With the analysis, Geico, State Farm, Auto-Owners, USAA and Country financial were all found to offer competitive rates, high customer satisfaction ratings and financial strength. For instance, the regional carrier Auto-Owners offers some of the least expensive rates, while earning an A+ BBB rating and ranking fifth overall for customer satisfaction in the Southeast with the 2020 J.D. Power Customer Satisfaction Index. This is in conjunction with the Superior A++ financial strength rating through AM Best.
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
Macon insurance requirements
The state of Georgia requires you to carry minimum liability coverage, including the following:
- $25,000 Bodily Injury Liability per person
- $50,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability per accident
Georgia also mandates that drivers are presented with the following state-recommended insurance coverages, but with the option to reject them:
- $25,000 Uninsured Motorist Bodily Injury per person
- $50,000 Uninsured Motorist Bodily Injury per accident
- $25,000 Uninsured Motorist Property Damage
However, only purchasing the minimum coverage requirements could leave you exposed to potential financial disaster. For instance, if you only purchase the minimum $50,000 bodily injury liability per accident, and you are the at-fault driver in a multi-car, multi-injury accident. The $50,000 might not be enough to cover medical expenses for multiple injuries. If your insurance limits are not enough, you could be sued to pay the difference.
Car insurance discounts in Macon
With car insurance in Macon well-above the average rates for both Georgia and the U.S., finding as many discounts as possible on premiums is critical if you want to save money. Fortunately, there are plenty of ways to save with discounts such as:
- Bundling discount: Save additional money if you have both a homeowners/renters/condo or other insurance policy with the same carrier.
- Defensive driving: If you participate in an approved defensive driving course, your carrier may provide a discount on your premiums. These classes may be online or in-person, but be sure to confirm it is an approved option to receive the discount.
- Pay in advance: Most carriers offer additional savings if you pay for your premium in advance of the renewal date. This date is typically at least seven days before the policy renews.
- Good student: If you make good grades with your high school or college courses, be sure to brag about it. Almost all carriers offer reduced premiums for those maintaining good grades.
- Claims-free: If you go a certain number of years without making a claim, ask your carrier about the discounted premiums you could possibly earn as a result. Some carriers, such as Erie Insurance, offer a diminishing deductible, where your deductible is reduced by $100 for each year you drive claim-free.
Frequently asked questions
What is the best car insurance company?
Defining the best car insurance company is a matter of personal opinion, but many drivers examine several factors to determine the best. Competitive rates, customer service reviews, digital assets (a useful website, a comprehensive app) and strong financial ratings are all important considerations.
Is Georgia a no-fault state?
No, Georgia is considered an at-fault state. This means the at-fault driver in the car accident is responsible for related expenses for the other parties involved. Either the at-fault driver’s insurance limits are used, or the victims have the right to sue the at-fault driver to cover expenses incurred from the incident.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.