Macon, Georgia, is a charming city with rich history and charm. It is home to 153,000. Macon also has higher than average auto insurance rates. Residents pay $879 per annum for minimum coverage, and $2,101 for full coverage. You can find affordable Macon car insurance that suits your needs by doing some research and comparison shopping.
Bankrate did the hard work for you by evaluating several insurance companies in Macon to find the best and cheapest insurance. This analysis considers customer service marks, financial strength ratings, and the number and variety of policy options and discounts. Comparing different carriers will help you find the best Macon car insurance.
The best car insurance companies of Macon
Geico, State Farm Auto-Owners, USAA and Auto-Owners are the best car insurance providers in Macon. These four providers are distinguished by their high customer satisfaction ratings and financial strength scores. They also offer discounts and coverage options, as well as affordable premiums.
| Insurance Company | J.D. J.D. (Southeast Region) | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|---|
| Geico | 857 / 1000 | $525 | $1,695 |
| State Farm | 835 / 1000 | $561 | $1,539 |
| Auto-Owners | 854 / 1000 | $635 | $1,644 |
| USAA | 901 / 1000 | $652 | $1,595 |
Geico
Geico offers low rates and many options to customize your auto insurance policy. You will find what you need, whether you need gap coverage or roadside assistance, at an affordable price. Geico doesn’t skimp on customer service in order to offer low premiums — you’ll find Geico is among the most highly rated national carriers throughout the Southeast.
State Farm
State Farm is the biggest provider of auto insurance across the country. There’s a reason why the company is so large. State Farm offers a range of options to help you get covered, including a top-rated mobile app and coverage options that can be used for nearly any driving situation.
Auto-Owners
Auto-Owners, a regional carrier that serves 26 states, including Georgia, is available. Auto-Owners offers full-service auto insurance with as many discount options as possible. Your policy can be customized to include rental car reimbursement, roadside assistance and new car replacement. The company has a large network of agencies that will provide you with the support you need to manage your insurance policies.
USAA
USAA provides affordable and comprehensive auto insurance to military personnel, their families, and veterans for over 100 years. The many coverage options available, including gap and rideshare insurance, as well as the many discounts that are tailored for servicemembers, all of it is possible. USAA provides many resources, including a website as well as a highly-rated app that allows policy management and offers quotes.
Macon has the lowest car insurance
The average cost for car insurance in America is $565 per annum for minimum coverage and $1,674 to cover full coverage. Georgia’s average is higher than the national average. $654 annually for minimum coverage, and $2,000 annually for full coverage. Although Macon’s average rates are higher than the national average, there are many cheaper options, including Geico which costs $525 per annum for minimum coverage.
Bankrate compared the financial stability, coverage options, and customer ratings of several Macon-area carriers. The analysis revealed that Geico, State Farm and Auto-Owners, USAA, Country financial, and USAA all offer competitive rates, high customer satisfaction ratings, and financial strength. Auto-Owners, a regional carrier, offers the lowest rates and is ranked fifth in Southeast for customer satisfaction with the 2020 J.D. Power Customer Satisfaction Index. This is combined with the Superior A++ financial strength rating through Am Best.
| Insurance Company | Minimum Coverage: Average Annual Premium | Average annual premium for full coverage |
|---|---|---|
| Geico | $525 | $1,695 |
| State Farm | $561 | $1,539 |
| Auto-Owners | $635 | $1,644 |
| USAA | $652 | $1,595 |
| Country Financial | $672 | $2,120 |
Insurance requirements for Macon
Georgia’s minimum liability requirements require you to have minimum coverage. This includes the following:
- $25,000 Bodily Injury Liability Per Person
- $50,000 Bodily Injury Liability Per Accident
- $25,000 per accident property damage liability
Georgia mandates that all drivers have the following recommended insurance coverages. However, they can also be rejected.
- $25,000 Uninsured Motorist Bodily Injuries per Person
- $50,000 Bodily Injury to a Motorist Uninsured per accident
- $25,000 Damage to Motorist Property Uninsured
You could be in financial trouble if you only purchase the minimum coverage. If you purchase only the minimum $50,000 bodily injuries liability per accident, you could be considered the at-fault driver for a multi-car, multiple-injury accident. For multiple injuries, the $50,000 may not be sufficient to cover your medical expenses. You could be sued if your insurance limits do not cover the full amount.
Macon car insurance discount
If you are looking to save money, it is important that you get as much discount as possible on your premiums. There are many ways to save money with discounts like:
- Bundling discount: Save additional money if you have both a homeowners/renters/condo or other insurance policy with the same carrier.
- Your carrier may offer a discount for defensive driving if you take a course. You can take these classes online or in person, but make sure you verify that it is approved to receive the discount.
- Prepay your premium: Many carriers offer additional savings for paying in advance. This usually happens seven days before your policy renews.
- You are a good student: Be proud of your grades in college and high school. Good grades can get you a reduced premium from almost all insurance companies.
- Claims-free: Ask your carrier about the discount premiums that you may be eligible for if you don’t file a claim within a specified time frame. Some carriers, like Erie Insurance offer a decreasing deductible. This means that your deductible will be reduced by $100 each year you are claim-free.
Questions frequently asked
Which is the best auto insurance company?
While it is subjective to choose the best auto insurance company, many drivers consider several factors when deciding which one is the best. It is important to consider customer service reviews, competitive rates, strong financial ratings, and digital assets (a helpful website, an app, etc.)
Is Georgia a no-fault state?
Georgia is not considered at-fault. The at-fault driver is responsible for all expenses incurred by the other party in an automobile accident. The victim can sue the at fault driver to recover any expenses incurred as a result of the accident.
