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Best cheap car insurance in Macon

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Finding the cheapest car insurance in your city can help keep your budget in check and ensure you have all the coverage options you need. The cheapest car insurance company in Macon is State Farm, according to Bankrate’s 2021 study of quoted annual premiums. If you are looking for minimum coverage car insurance, you might be able to get a slightly lower rate with Geico than State Farm, based on our research.

In Macon, drivers pay an average annual cost of $2,101 for full coverage, or around $175 per month. The average cost of car insurance in Macon for minimum coverage is $879 annually. Though you can typically get the most affordable rates with minimum coverage, many insurance agents recommend getting more than just the minimum amount of car insurance required in Macon. Buying the highest liability limits you can afford will usually provide greater financial protection in the event you cause an accident with injuries or property damage to others.

Best cheap car insurance companies in Macon

State Farm, USAA, Auto-Owners and Geico are the cheapest car insurance companies in Macon, according to Bankrate’s study of rates pulled from Quadrant Information Services. Personal characteristics like age, driving and claims history typically affect auto insurance costs, which means you may find the cheapest rates with another Georgia carrier.

To find the best car insurance in Macon, Bankrate collected and reviewed data on dozens of car insurance companies offering coverage in this Georgia city. Based on several factors, like third-party ratings from AM Best and J.D. Power, price, coverage options and discounts,, a Bankrate Score was calculated out of a possible five points.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 859/1,000 $1,539 $561
USAA 5.0 890/1,000* $1,595 $652
Auto-Owners 4.5 849/1,000 $1,644 $635
Geico 4.7 843/1,000 $1,695 $525

*USAA not officially ranked by J.D. Power due to eligibility requirements.

State Farm

The company on our list with the cheapest average rates for full coverage in Macon is State Farm. This large insurer received the second highest Bankrate Score of 4.7 and is the fourth highest in customer satisfaction in the J.D. Power Auto Insurance Study. State Farm also performs above average for auto claims satisfaction. Though State Farm has many discounts to take advantage of to keep rates affordable, it may lack some of the unique coverage offerings some Macon drivers may prefer.

Learn more: State Farm Insurance review

USAA

USAA has a perfect Bankrate Score of 5 and is also in first place in the Auto Insurance Study for customer experience. Unfortunately, USAA is only available to current and retired military members and their spouses, which limits how many Macon households are eligible. Both minimum and full coverage average rates are also higher with USAA versus State Farm in our study, which might not suit someone looking for the cheapest rates.

Learn more: USAA Insurance review

Auto-Owners

According to J.D. Power customer satisfaction scores, drivers in the Southeast region gave Auto-Owners an above average score of 849 out of 1,000 points. While it does not have the cheapest average rates in the Macon area on our list, Auto-Owners is comparable in customer experience with the largest carriers in Georgia. Auto-Owners offers customizable coverage but has fewer discounts than other insurance providers. This insurer may be a contender when shopping for Macon car insurance, depending on what factors are most important to you.

Learn more: Auto-Owners Insurance review

Geico

Macon drivers looking for minimum coverage will find the cheapest average rates on our list are with Geico, though it has the most expensive average rates for full coverage. This insurance provider’s high Bankrate Score ties with State Farm and falls just below average in the J.D. Power Auto Insurance Study, but just above average in the J.D. Power Auto Claims Satisfaction study. Although it has a wide range of potential discounts available, Geico’s coverage options may offer more limited flexibility for Macon households than some competitors.

Learn more: Geico Insurance review

How to get and keep the cheapest car insurance in Macon

Many insurance providers offer cheap car insurance in Georgia, although rates will vary widely based on each driver’s personal circumstances. Once you find the right cheap car insurance companies in Macon, use these tips to potentially get and keep affordable rates. Practicing safe driving habits may unlock additional discounts, and if you can avoid tickets and accidents, your rates may also be lower.

  • Compare insurance providers. Getting a new quote with different insurance providers from time to time is the best way to tell if you are keeping the cheapest rates. You may want to consider opting for more than the minimum required coverage in Georgia for better financial protection if you have an accident.
  • Review your coverage annually. Life changes, vehicle age and driving habits can affect the types of coverage you need and the rates you pay. Review your coverage periodically to see if changes are needed, which might save you money with your insurance provider.

Frequently asked questions

What is the best car insurance company?

Finding the best car insurance companies in Macon comes down to personal choice and what matters most to the drivers in the household. You may want to consider factors like financial strength, customer satisfaction, coverages, discounts and price to get the best car insurance in Macon for you.

How can I lower my car insurance rates in Macon?

There are several things you can do to potentially lower your car insurance rates in Macon. Avoid getting tickets and causing at-fault accidents, take a defensive driving course and only pay for the coverage you need. Review your policy at each renewal to ensure you get the cheapest rates with the best car insurance companies in Macon or speak to your insurance agent to see if there are savings opportunities you are missing out on.

When should you drop full coverage on your car?

Most lenders require drivers to carry full coverage on their cars until paid off or returned, if leased. You might not be required to carry full coverage insurance on your car when the loan is paid off, but it might be best to speak with a financial advisor or insurance agent to see how much coverage you still need to be financially protected if you have an accident.

Methodology

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 coverage that meets 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.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor