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Cheap Car Insurance in Macon, Georgia

Illustration of van driving by Freeway Insurance headquarters

Macon, Georgia, is a quaint and charming city filled with Southern tradition, historic sites, and breathtaking architecture. True to its “Where Soul Lives” tagline, it has been home or recording location to some of music’s most revered figures, including Little Richard, Otis Redding, and the Allman Brothers band.

Residents and visitors can enjoy important American artifacts and nature reserves such as the Hay House, the Ocmulgee National Monument, and the Ocmulgee River. The Ocmulgee National Monument arguably tops the list, paying tribute to the southern Appalachian region’s native residents.

The Cannonball House is also a treat for Greek Revival style fans, complete with 17th-century furnishings and a bronze 1864-era cannon visitors can gawk at with pleasure.

All Macon drivers are required to carry Georgia car insurance by the state. Keep reading to learn more about car insurance in Macon, including average rates by age group/zip code, penalties for not having insurance, and all required state minimums.

Quick Facts

  • There were 35 fatal crashes in Macon in 2020 with 38 people killed.
  • The local office of the Georgia Department of Driver Services is located in the historic train station next to the Georgia Music Hall of Fame in downtown Macon.

How Much Does Car Insurance Cost in Macon, GA?

The average monthly rate for full coverage car insurance in Macon, GA is $172, which is much higher than the national average monthly rate of $138, and just slightly higher than the state average of $165. Liability-only car insurance costs on average $69 per month in Macon, which is quite a bit higher than the national average of $40 and about the same as the state of Georgia at $63.

For the average monthly premium paid by other Georgia cities, see our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Macon $172 $69
Atlanta $223 $90
Savannah $175 $68
Columbus $157 $58
Augusta $148 $57

Georgia is an at-fault state, which means the driver at fault in an accident will be responsible for the injuries and damages of the other driver(s) and their passengers. The state-required minimum car insurance will pay up to policy limits for that, but will pay nothing for the at-fault driver’s bills. Additionally, in many cases with today’s rising costs, the minimum liability is not enough to cover all the costs associated with a car crash, leaving many drivers with bills to pay out of pocket.

This is why many drivers decide to buy more than the required amount and/or full coverage car insurance.

Macon, Georgia Affordable Car Insurance Rates by Zip Code

Zip codes affect auto insurance rates significantly. The higher the number of accidents in a zip code, the higher the rates compared to zip codes with fewer accidents.

Here’s a comparison of the average monthly premium by zip code in Macon:

Zip Code Full Coverage Insurance Liability Insurance Coverage
31201 $172 $69
31204 $173 $71
31206 $171 $69
31207 $171 $69
31210 $172 $71
31211 $168 $64
31216 $163 $65
31217 $167 $63
31220 $163 $64

Low-Cost Macon Car Insurance Rates by Age

It’s no secret — younger drivers see higher insurance premiums than older adults due to a riskier collective driving profile that includes more claims and limited experience. Fortunately, this expensive insurance will level out in a few years if young drivers keep their records free of claims and tickets.

For the average monthly premium by age in Macon, see our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $565 $236
20s $220 $86
30s $163 $64
40s $149 $56
50s $143 $55
60s $148 $58
70s $182 $75

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

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Minimum Car Insurance Requirements in Macon, Georgia

Georgia state minimums for auto insurance liability are as follows:

  • Bodily Injury Coverage per Person: $25,000
  • Bodily Injury Coverage per Accident: $50,000
  • Property Damage per Accident: $25,000

Remember, all states require that drivers show proof of financial liability following an accident. We highly recommend seeking coverage higher than the minimum level of insurance coverage for greater peace of mind. State minimum policies may result in excessive out-of-pocket costs with a single accident.

What Are the Penalties for Driving Without Insurance in Macon?

In Georgia, driving without car insurance is a disastrous decision leading to high reinstatement fees, revoked driving privileges, possible jail time, and skyrocketing monthly premiums.

Penalties for a driver’s first offense are severe. Expect a 60-day license and registration suspension along with a $25 lapse fee and a $60 reinstatement fee. Second offenses see the same lapse fee and reinstatement fee. However, your driver’s license and registration suspension bump to 90 days, three times as long as a first offense.

Third and subsequent offenses will see a $25 lapse fee, a $160 reinstatement fee, and a six-month driver’s license and registration suspension.

On top of fees and suspended driver’s license/registration, serious offenders can face an up-to-12 month jail sentence, depending on the situation.

Factors Allowed in Macon, GA Car Insurance Rates

Macon car insurance rates are influenced by different factors such as age, gender, vehicle, and driving record.

Here is a list of some other factors:

  • Zip code
  • Credit score
  • Make/model of vehicle
  • Marital Status

Discounts for Car Insurance in Macon

All Georgia drivers should look into different discounts available to bring the cost of car insurance down to a manageable monthly expense. There are all types of discounts available, including but not limited to the following:

  • Blue icon of a graduation cap

    Good student discount

  • Graphic of a man driving a car

    Driver education discount

  • Illustration of a smiling person

    Customer loyalty discount

  • Hands holding a box with a check mark

    Vehicle safety discount

  • Icon of a pink document with a checkmark on the side.

    Paperless billing discount

  • Icon money

    Bundling policies discount

Note, all drivers with no moving violations or at-fault accidents within the last few years should see monthly premiums decrease over time. However, to find out what discounts you qualify for, we highly advise calling your insurance company every year.

Get an Online Quote for Low-Cost Car Insurance in Macon, Georgia Today!

Downtown Macon Georgia skyline at dusk

Driving without the required car insurance coverage could result in severe consequences. Let Freeway Insurance help you find the best car insurance policy for you and your family.

You can get a fast and free car insurance quote online, visit us at a Macon office near you, or call 800-777-5620 for a no-obligation quote by one of our friendly customer service representatives.