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Ava Lynch

Insurance Analyst

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  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Renata Balasco

Senior Content Strategist

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Macon?

The average cost of car insurance in Macon, is $851 every six months. That's more than the national average of $880. Our guide to Macon car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

 

Car insurance in Macon vs. Georgia Average 6 Mo. Premium
Macon average $851
Georgia average $804

The Zebra's key takeaways about car insurance in Macon:

  • The average cost of a car insurance policy in Macon is $851 per six-month policy — $141 per month.
  • The cheapest company in Macon is Georgia Farm Bureau ($493).
  • 36% of Zebra customers in Macon stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Macon car insurance rates by company

Company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, Georgia Farm Bureau offers Macon's cheapest rates. See below the best companies for cheap auto insurance in Macon — but don't forget to get personalized car insurance quotes to match your driving profile.

Cheapest car insurance companies in Macon, GA
Company Avg. 6 Mo. Premium
Georgia Farm Bureau $493
USAA $687
State Farm $807
GEICO $857
Progressive $1,070

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Macon.

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Macon auto insurance rates by age

Our data shows that drivers between the ages of 20-29 make up 27% of Macon drivers. The age group that enjoys the lowest auto insurance rates in Macon are drivers in their 50s, who pay an average of $745 every six months. Drivers in their 60s pay marginally higher rates — $770 per six-month policy.

The Macon drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Macon is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Macon is $4,638, the largest such difference between any two age groups.

Macon auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,492
20s $1,173
30s $843
40s $804
50s $745
60s $770
70s $972

Macon car insurance rates by credit score

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than drivers with stellar credit. Macon drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 51% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Macon, improving your credit to "Fair" could help you earn a $527 decrease in six-month insurance premiums. Our data tells us 41% of drivers in Macon have a credit score of average (580-679). 

credit score
Macon auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,498
Fair $971
Good $851
Very Good $801
Exceptional $729

Macon car insurance rates by violation

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Macon drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $906 per year versus the city average. A ticket for speeding results in a $457 rate hike, on average, while a DUI violation costs $1,280 per year in insurance premiums.

Macon auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,491
Reckless Driving $1,304
At-fault Accident (damages less than $1,000) $1,208
At-fault Accident (damages > $2,000) $1,342
Speeding Ticket (16-20 mph over speed limit) $1,080

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.