Macon, GA Car Insurance

What is the average cost of car insurance in Macon?


The average cost of car insurance in Macon, Georgia, is $1,703 each year. That's more than the statewide average in Georgia ($1,609) and more expensive than the national average of $1,548. Our guide to Macon car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


MACON AUTO INSURANCE RATES
Macon Average (annual)Georgia AverageNational Average
$1,703$1,609$1,548

Jump to Macon car insurance rates by:

Compare rates now:

Location pin icon
No spam. We take your privacy seriously.


Macon car insurance rates by insurer


The 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.


MACON CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
Georgia Farm Bureau$987
USAA$1,375
State Farm$1,615
GEICO$1,714
Progressive$2,140

Read our guide to finding the best cheap auto insurance.



Macon auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Macon are drivers in their age_50s, who pay an average of $1,490per year. Drivers in their age_60s pay marginally higher rates — $1,541 per year.

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 bracketAverage Annual Rate
Teenagers$6,984
20s$2,346
30s$1,686
40s$1,609
50s$1,490
60s$1,541
70s$1,944

Learn more about the impact of age on car insurance premiums.



Macon auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Macon pay $202 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Macon, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Macon, female drivers pay $9 per year more than do male drivers for car insurance.


MACON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,712
Male$1,703
Single$1,501
Married$1,501
Divorced$1,703
Widowed$1,597

Learn more about how gender and marital status have on insurance rates.



Macon auto insurance rates by citation and accident history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, 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 $1,280per year in insurance premiums.


AVERAGE MACON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$2,983
Reckless Driving$2,608
At-fault Accident (damages less than $1,000)$2,416
At-fault Accident (damages > $2,000)$2,685
Speeding Ticket (16-20 mph over speed limit)$2,160

Get more info on how a bad driving history can impact your car insurance costs.



Macon auto insurance rates by credit tier


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do 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 $1,055 decrease in yearly insurance premiums.


MACON AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$2,997
Fair$1,942
Good$1,703
Very Good$1,602
Exceptional$1,458

Get additional information on how credit impacts car insurance costs.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.