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Cheap Auto Insurance in Macon, GA

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Cheap Auto Insurance in Macon, GA

updated: Apr. 15, 2020

What is Cheap Auto Insurance in Macon, GA?

The cheapest car insurance we could find in our 2020 Macon, GA study was $416 per year (SafeCo). This is about double of what we found in Atlanta, GA. The fact that Macon is one of the more expensive cities to purchase auto insurance is all the more reason to scour the market for the lowest price you can find.

Driver Cheapest Full Coverage Cheapest Liability Only
Retired Couple $1,088 yr. (GEICO) $498 yr. (AIG)
Middle Age Male $1,233 yr. (GEICO) $593 yr. (GEICO)
Female (Accident & Speeding) $2,152 yr. (State Farm) $898 yr. (Metropolitan)
Male (DUI & Speeding) $2,540 yr. (Progressive) $1,084 yr. (Esurance)
Young Female $2,957 yr. (Garrison) $897 yr. (AIG)
Young Male $2,841 yr. (GEICO) $1,013 yr. (AIG)
Young Female (Speeding) $3,220 yr. (AIG) $416 yr. (SAFECO)
Young Male (Speeding) $3,392 yr. (GEICO) $1,013 yr. (AIG)

Cheap Car Insurance Rate Comparisons in Macon

Here is our full study of Macon. In it you’ll find the yearly premiums for many unique driving profiles in Macon. You’ll notice in these driver examples that the price difference between the cheapest and most expensive insurance is extreme. This is why it is so critical to shop around.

40 year-old Male

For this example we gathered rates for a married 40 year old male with no accidents who drives 12,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $1,233 $593
GOVERNMENT EMPLOYEES $1,234 $594
OWNERS $1,345 $616
PROGRESSIVE $1,346 $740
AMERICAN $1,370 $650
GARRISON $1,399 $620
AUTO-OWNERS $1,461 $677
MERCURY $1,511 $773
MILBANK $1,609 $810
FIRST ACCEPTANCE $1,691 $824
ESURANCE $1,714 $794
NATIONWIDE $1,742 $970
TEACHERS $1,797 $714
STATE FARM $1,800 $894
NATIONAL $1,867 $973
CHUBB $1,909 $807
AIG $1,914 $457
MIDVALE $1,930 $1,037
SOUTHERN $1,935 $869
ALFA $1,951 $1,089
LM $1,955 $790
ALLIED $1,977 $874
INSUREMAX $2,070 $1,079
AMERICAN $2,138 $1,168
TREXIS ONE $2,166 $752
METROPOLITAN $2,174 $770
DIRECT $2,289 $998
MGA $2,309 $1,208
INFINITY $2,408 $1,086
CENTRAL $2,435 $1,264
TRUSTGARD $2,653 $1,505
OMNI $2,708 $1,524
SAFECO $2,735 $1,216
OLD AMERICAN $2,760 $1,462
SAFEWAY $2,828 $1,422
TRAVELERS $2,855 $1,368
GEORGIA FARM BUREAU $3,179 $1,436
LOYA $3,220 $1,120
PEAK $3,326 $1,400
MAIN STREET AMERICA $3,353 $1,345
MEMBERSELECT $3,489 $1,376
UNIQUE $3,591 $1,452
ACCC $4,172 $2,709
AMICA $4,629 $1,726
UNITED $7,439 $2,839

30 year-old Female (One Accident & Speeding)

In this example we gathered rates for a married 30 year old female with one speeding ticket and one accident who drives 12,000 miles per year. The rates spanned from $762 – $4,665 for liability insurance alone. Full coverage insurance spread from $2,152 – $9,794.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
STATE FARM $2,152 $1,083
MILBANK $2,234 $1,168
AMERICAN $2,278 $1,180
AUTO-OWNERS $2,312 $1,155
GEICO $2,348 $1,062
ALFA $2,364 $1,361
METROPOLITAN $2,370 $898
GARRISON $2,382 $1,131
FIRST ACCEPTANCE $2,432 $1,191
LM GENERAL $2,479 $917
GOVERNMENT EMPLOYEES $2,611 $1,285
MERCURY $2,619 $1,374
PROGRESSIVE $2,670 $1,470
NATIONAL $2,696 $1,428
SOUTHERN $2,740 $1,482
TEACHERS $2,781 $1,142
MGA $2,839 $1,482
AIG $3,277 $762
CHUBB $3,292 $1,443
COAST $3,308 $1,824
ESURANCE $3,390 $1,484
INSUREMAX $3,407 $1,944
NATIONWIDE $3,437 $2,142
CENTRAL $3,478 $1,820
SAFEWAY $3,936 $2,152
OLD AMERICAN $3,938 $2,286
INFINITY $3,995 $1,818
TRAVELERS $4,065 $1,858
ALLIED $4,163 $1,913
OMNI $4,177 $2,356
MIDVALE $4,204 $2,467
GEORGIA FARM BUREAU $4,242 $1,999
TREXIS ONE $4,340 $1,728
SAFECO $4,492 $2,060
UNIQUE $4,547 $2,044
PEAK $4,750 $2,140
LOYA $5,318 $2,272
MAIN STREET AMERICA $5,908 $2,448
MEMBERSELECT $6,562 $3,150
ACCC $6,892 $4,665
AMICA $7,595 $3,018
DIRECT $8,117 $3,580
UNITED $9,794 $3,866

28 year-old Male (DUI & Speeding)

Here are the rates we found for a married 28 year old male with one speeding ticket and a DUI who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
STATE FARM $2,540 $1,515
PROGRESSIVE $2,569 $1,557
ESURANCE $2,622 $1,084
INSUREMAX $2,822 $1,501
MERCURY $2,835 $1,526
LM GENERAL $2,887 $1,135
COAST $2,948 $1,633
ALFA $2,993 $1,776
METROPOLITAN $3,002 $1,686
GARRISON $3,084 $1,439
FIRST ACCEPTANCE $3,085 $1,538
GEICO $3,161 $1,578
GOVERNMENT EMPLOYEES $3,221 $1,755
MGA $3,727 $1,943
OMNI $3,744 $2,114
NATIONWIDE $4,300 $2,770
OLD AMERICAN $4,312 $2,460
NATIONAL $4,472 $2,545
PEAK $4,576 $2,016
UNIQUE $4,593 $2,030
HORACE MANN $4,621 $2,410
AIG $4,821 $1,577
INFINITY $5,058 $2,351
MIDVALE $5,127 $3,035
SAFECO $5,180 $2,473
TRAVELERS $5,359 $2,625
SAFEWAY $5,458 $3,370
DIRECT $5,517 $2,635
SOUTHERN $5,636 $3,100
LOYA $6,154 $2,264
ALLIED $6,209 $2,920
CHUBB $7,475 $3,362
GEORGIA FARM BUREAU $8,691 $4,193
CENTRAL $10,583 $5,605
TEACHERS $11,371 $5,614
UNITED $11,584 $4,901
MEMBERSELECT $12,674 $5,807
AMICA $25,435 $10,467

65 year-old Retired Couple

In this example with gathered rates for a married 65 year old couple with clean driving records driving 7,500 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $1,088 $498
GOVERNMENT EMPLOYEES $1,088 $498
CHUBB $1,172 $493
AMERICAN $1,176 $590
OWNERS $1,184 $554
AIG $1,211 $257
GARRISON $1,242 $602
AUTO-OWNERS $1,285 $608
PROGRESSIVE $1,287 $707
ALFA $1,358 $712
STATE FARM $1,462 $711
MILBANK $1,466 $757
MIDVALE $1,478 $782
LM $1,493 $597
TEACHERS $1,552 $607
FIRST ACCEPTANCE $1,592 $856
NATIONWIDE $1,726 $968
MERCURY $1,803 $997
ESURANCE $1,818 $880
MGA $1,909 $983
NATIONAL $1,938 $1,067
INSUREMAX $1,953 $1,079
CENTRAL $1,966 $1,000
METROPOLITAN $1,980 $718
ALLIED $2,021 $865
TREXIS ONE $2,112 $852
SAFECO $2,249 $1,062
TRUSTGARD $2,279 $1,312
TRAVELERS $2,296 $1,125
PEAK $2,338 $1,100
SOUTHERN $2,383 $1,283
COAST $2,434 $1,377
DIRECT $2,587 $1,257
MAIN STREET AMERICA $2,668 $1,153
OMNI $2,861 $1,629
GEORGIA FARM BUREAU $2,928 $1,352
SAFEWAY $3,010 $1,478
MEMBERSELECT $3,031 $1,314
INFINITY $3,031 $1,455
OLD AMERICAN $3,040 $1,650
LOYA $3,238 $1,276
AMICA $3,250 $1,232
UNIQUE $3,558 $1,790
UNITED $8,167 $3,362
ACCC $15,566 $11,730

19 year-old Female (Speeding)

In this example we gathered rates for a single 19 year old female with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
AIG $3,220 $897
GEICO $3,422 $1,836
GOVERNMENT EMPLOYEES $3,422 $1,836
GARRISON $3,716 $1,800
FIRST ACCEPTANCE $3,839 $2,070
AUTO-OWNERS $3,864 $2,220
METROPOLITAN $4,044 $2,244
PROGRESSIVE $4,085 $2,345
STATE FARM $4,196 $2,354
CHUBB $4,204 $2,087
ALFA $4,353 $2,508
SAFECO $4,413 $416
TEACHERS $4,486 $1,884
ESURANCE $4,488 $2,640
AMERICAN $4,742 $2,738
COAST $4,783 $3,029
MERCURY $5,140 $3,061
NATIONWIDE $5,217 $3,707
MIDVALE $5,375 $3,564
MGA $5,461 $3,252
NATIONAL $5,819 $3,499
CENTRAL $5,954 $3,139
SOUTHERN $5,966 $3,278
PEAK $6,248 $3,244
ALLIED $6,322 $3,008
MILBANK $6,457 $3,831
TREXIS ONE $6,470 $2,234
TRAVELERS $6,770 $3,342
SAFEWAY $6,826 $4,466
LOYA $6,900 $3,488
OLD AMERICAN $7,126 $4,886
UNIQUE $7,331 $3,298
LM GENERAL $7,399 $3,615
INSUREMAX $7,564 $4,950
GEORGIA FARM BUREAU $7,783 $3,893
OMNI $8,633 $4,777
TRUSTGARD $9,740 $6,650
INFINITY $10,641 $4,685
AMICA $10,676 $4,312
ACCC $11,235 $8,214
MAIN STREET AMERICA $11,755 $5,765
DIRECT $12,427 $6,111
MEMBERSELECT $14,144 $8,187
UNITED $17,761 $9,310

19 year-old Male (Speeding)

Here you’ll find rates for a single 19 year old male with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $3,392 $1,780
GOVERNMENT EMPLOYEES $3,392 $1,780
AIG $3,659 $1,013
FIRST ACCEPTANCE $4,161 $2,247
GARRISON $4,422 $2,157
PROGRESSIVE $4,499 $2,534
CHUBB $4,798 $2,419
AUTO-OWNERS $5,049 $2,863
STATE FARM $5,226 $2,946
AMERICAN $5,234 $2,938
METROPOLITAN $5,280 $2,458
COAST $5,337 $3,448
NATIONWIDE $5,480 $3,881
MIDVALE $5,490 $3,799
ESURANCE $5,886 $3,488
NATIONAL $6,135 $3,549
MERCURY $6,147 $3,427
ALFA $6,844 $4,133
LOYA $7,172 $3,200
CENTRAL $7,180 $3,792
PEAK $7,506 $4,124
MILBANK $7,598 $4,514
INSUREMAX $7,845 $4,929
LM $7,892 $4,022
UNIQUE $7,971 $3,012
ALLIED $8,015 $3,856
TEACHERS $8,026 $3,426
SOUTHERN $8,143 $4,490
TRAVELERS $8,245 $4,427
TREXIS ONE $8,814 $2,888
GEORGIA FARM BUREAU $9,177 $4,765
SAFEWAY $9,256 $5,900
OMNI $9,421 $5,241
TRUSTGARD $9,533 $6,380
OLD AMERICAN $9,712 $6,456
MGA $10,070 $5,616
SAFECO $10,146 $5,975
AMICA $11,200 $4,535
INFINITY $11,977 $5,029
ACCC $12,596 $9,204
MAIN STREET AMERICA $12,809 $6,471
DIRECT $14,704 $6,837
MEMBERSELECT $16,935 $10,287
UNITED $21,342 $9,482

19 year-old Female

In this table we gathered rates for a single 19 year old female with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GARRISON $2,957 $1,418
OWNERS $2,964 $1,659
GEICO $3,040 $1,631
GOVERNMENT EMPLOYEES $3,040 $1,631
AIG $3,220 $897
AUTO-OWNERS $3,237 $1,822
PROGRESSIVE $3,426 $1,960
CHUBB NATIONAL $3,521 $1,743
FIRST ACCEPTANCE $3,655 $1,956
TEACHERS $3,764 $1,570
STATE FARM $3,815 $2,118
METROPOLITAN $3,840 $2,132
ALFA $3,931 $2,239
MIDVALE $4,052 $2,673
COAST $4,057 $2,626
AMERICAN $4,094 $2,328
ESURANCE $4,314 $2,546
MERCURY $4,375 $2,611
NATIONWIDE $4,665 $3,320
MILBANK $5,109 $3,047
MGA $5,134 $2,936
TREXIS ONE $5,140 $1,750
NATIONAL $5,231 $3,170
CENTRAL $5,434 $2,862
ALLIED $5,475 $2,629
PEAK $5,890 $3,072
SOUTHERN $5,966 $3,278
LOYA $6,112 $3,040
TRUSTGARD $6,178 $4,167
TRAVELERS $6,183 $3,139
SAFECO $6,308 $3,582
SAFEWAY $6,382 $4,060
OLD AMERICAN $6,682 $4,442
UNIQUE $6,720 $2,998
INSUREMAX $6,892 $4,555
LM $6,926 $3,599
GEORGIA FARM BUREAU $7,125 $3,578
OMNI $8,371 $4,596
DIRECT $8,974 $4,359
AMICA $9,125 $3,669
MAIN STREET AMERICA $9,417 $4,638
INFINITY $9,787 $4,306
MEMBERSELECT $9,968 $5,361
ACCC $10,628 $7,823
UNITED $16,050 $8,068

19 year-old Male

Here we gathered rates for a single 19 year old male with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $2,841 $1,490
GOVERNMENT EMPLOYEES $2,841 $1,490
GARRISON $3,509 $1,697
AIG $3,659 $1,013
PROGRESSIVE $3,817 $2,133
OWNERS $3,875 $2,140
FIRST ACCEPTANCE $3,959 $2,123
CHUBB $4,014 $2,018
MIDVALE $4,117 $2,841
AUTO-OWNERS $4,234 $2,351
AMERICAN $4,522 $2,498
COAST $4,611 $3,045
STATE FARM $4,751 $2,652
METROPOLITAN $4,848 $2,212
NATIONWIDE $4,926 $3,493
NATIONAL $5,231 $3,170
MERCURY $5,373 $2,975
ESURANCE $5,744 $3,420
MILBANK $6,008 $3,587
TRUSTGARD $6,105 $4,062
ALFA $6,179 $3,690
LOYA $6,348 $2,788
CENTRAL $6,659 $3,515
TEACHERS $6,715 $2,855
SAFECO $6,791 $3,946
INSUREMAX $6,977 $4,402
PEAK $7,090 $3,908
ALLIED $7,189 $3,492
UNIQUE $7,307 $2,738
TREXIS ONE $7,312 $2,360
LM $7,384 $4,004
TRAVELERS $7,551 $4,158
SOUTHERN $8,143 $4,490
GEORGIA FARM BUREAU $8,504 $4,439
SAFEWAY $8,676 $5,364
MGA $9,100 $5,064
OLD AMERICAN $9,126 $5,870
OMNI $9,159 $5,060
AMICA $9,970 $4,022
MAIN STREET AMERICA $10,296 $5,206
DIRECT $10,648 $4,882
INFINITY $11,120 $4,650
MEMBERSELECT $11,816 $6,730
ACCC $11,910 $8,766
UNITED $19,355 $8,218

Auto Insurance Agencies in Macon

Velox Insurance

3431 Mercer University Dr, Macon, GA 31204
(478) 394-4372
www.veloxinsurance.com

Best Buy Insurance

3937 Bloomfield Rd, Macon, GA 31206
(478) 471-0203
www.bestbuyinsmacon.com

Alfa Insurance Co

871 Lee Rd, Macon, GA 31204
(478) 746-1015
www.alfainsurance.com

America’s Best Auto Insurance

3985 Pio Nono Ave, Macon, GA 31206
(478) 216-5945

O’Neal & Associates Insurance

2357 Pio Nono Ave, Macon, GA 31206
(478) 788-1104
www.onealinsurance.com

Tidwell & Hilburn Insurance

5082 Forsyth Rd, Macon, GA 31210
(478) 743-9318
www.th-ins.com

Terin Smith – State Farm Insurance Agent

4406 Columbus Rd ste b, Macon, GA 31206
(478) 471-9302
www.terinsmith.net

Scarbrough Insurance Inc

1501 Bass Plantation Dr # A, Macon, GA 31210
(478) 405-2313
www.scarbroughinsurance.com

GA State Auto Insurance Inc

1552 Rocky Creek Rd suite a, Macon, GA 31206
(478) 225-0099
www.gastateautoinsurance.com

Macon Auto Body Repair

Jim’s Paint & Body Shop

4057 Houston Ave, Macon, GA 31206
(478) 788-3884

Chandler Collision of Macon

4410 Interstate Dr, Macon, GA 31210
(478) 474-0626
www.chandlercollision.com

Middle Georgia Freightliner Isuzu Body Shop

2363 Spires Dr, Macon, GA 31216
(478) 788-4601
www.gatrucks.com

Amazing Auto Body Repair

2045 Broadway, Macon, GA 31206
(478) 250-3700
www.https://amazing-auto-body-and-repair.business.site/

Five Star Collision Center

851 Wimbish Rd, Macon, GA 31210
(478) 405-5143
www.drivefivestarcollision.com

Dent Tricks Auto Appearance Specialist

3190 Vineville Ave, Macon, GA 31204
(478) 405-8000
www.denttricks.com

Macon Auto Mechanic Shops

Mitchell’s Automotive

4281 Interstate Dr, Macon, GA 31210
(478) 477-6403
www.mitchellsautomotive.net

Sheffield Automotive Repair

2806 Old Gray Hwy, Macon, GA 31211
(478) 743-7770
www.sheffieldautomacon.com

Oliver’s Auto & Truck Repair

3089 Broadway, Macon, GA 31206
(478) 784-1142

Grant’s Tire & Auto, LLC

2800 Riverside Dr, Macon, GA 31204
(478) 742-0096
www.grantstireandauto.com

Precision Tune Auto Care

909 Gray Hwy, Macon, GA 31211
(478) 722-5771
www.precisiontune.com

Stephens Automotive Group

4618 Columbus Rd, Macon, GA 31206
(478) 477-5123
www.stephensautomotivegroup.com

Macon Department of Motor Vehicles

Macon Department of Driver Services

200 Cherry St, Macon, GA 31201
(678) 413-8400
www.dds.georgia.gov

2020 Study Methodology

The following is the baseline methodology used in our 2020 Georgia study. Prices reflect one year of coverage.

Car Make/Model: 2012 Toyota Camry, 4-door sedan, 6 cylinder

  • Liability: $25,000/ $50,000 per accident
  • Bodily Injury Liability: $25,000 per accident, Property Damage Liability

Full Coverage Additions

  • Car Damage: $1000 collision deductible, $500 comprehensive deductible
  • Uninsured Motorist: $25,000 per person/$50,000 per accident
  • Medical: $2,000 per accident. Bodily Injury/$25,000 per accident