Macon Car Insurance

The Zebra
May 30, 2018

Car Insurance in Macon

Premiums in Macon are $82 greater than Georgia's average, which is why the city is known for its costly premiums. Going over some tips below about how to save on Macon car insurance can save you money.

  • City Average: $1,470
  • State Average: $1,388
  • National Average: $1,427

Macon Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) pay an average of more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers will see the biggest drop in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $455 per year.

  • Very Poor: $2,650
  • Fair: $2,195
  • Good: $1,837
  • Very Good: $1,525
  • Exceptional: $1,320

Macon Car Insurance by Age

When you look across all age groups, drivers in their 50s have the smallest payments. Their rates usually average $1,278. People in their 60s ($1,326) aren’t paying much more. With rates of $5,452 on average, teenage drivers pay the most in car insurance premiums. When drivers hit their 20s in Macon, therefore moving out of the teenage age bracket, they save an average of $3,397. It is the largest gap between any age group. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time.

  • Teenagers: $5,452
  • 20s: $2,055
  • 30s: $1,450
  • 40s: $1,382
  • 50s: $1,278
  • 60s: $1,326
  • 70s: $1,674

Macon Car Insurance by Gender and Marital Status

Both gender and marital status are among the various driver attributes that can impact car insurance premiums in Macon. Premiums for men tend to be 3% more costly than for women. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single can cost you 9% more per year compared to being married.

  • Female: $1,432
  • Male: $1,470
  • Single: $1,470
  • Married: $1,345
  • Divorced: $1,470
  • Widowed: $1,416

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Macon Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your premiums? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. No one plans on being in an accident, but life happens, so be aware of how your rates can change following one. $956 is the amount by which you can expect your annual insurance premiums to rise in Macon if you have an at-fault accident on your driving record. Drivers with a DUI in Macon have rates $823 higher than the city average of $1,470. Reckless driving will also drive your rates up, with typical rates of $2,406. That is 64% higher than the city average!

  • DUI: $2,293
  • Reckless Driving: $2,406
  • At-fault Accident (damages less than $1000): $2,426
  • At-fault Accident (damages greater than $2000): $2,426
  • Speeding Ticket (16-20 mph over speed limit): $1,793