Which Company Has the Lowest Cost of Car Insurance in Macon?

Macon, located in Bibb County, Georgia, is a mid-size city with a population of over 153,000. The city’s population has decreased somewhat since 2010.

The mean commute time for workers 16 and older is 21.2 minutes. That’s relatively short compared to the national average of around 27 minutes. When people are on the road, there’s always the possibility of being involved in a collision. And when you have your car safely parked at home, unforeseen events may also happen, leading to damage to a vehicle; for instance, if the car is parked at the curb, someone can sideswipe it and leave damage you must repair.

In 2018, 801 vehicles were also stolen in this area. The number of thefts gave the city a theft rate of 348.66 and a rank of #58 among cities with the highest theft rates. Because the city is so high on this list, vehicle owners see higher insurance premiums, even though theft may never occur with their vehicle. However, insurance costs in Georgia aren’t as high as for those in other states.

How Much Auto Insurance Coverage is Needed for Macon Drivers?

Nearly every single state in the US requires that you hold some amount of car insurance in order to legally register your vehicle or drive. In Georgia, it’s no different. Everyone must hold a minimum amount of car insurance totaling $25,000 of liability injury coverage for a single injury that might be cause in an accident, $50,000 of liability coverage per accident in case there are multiple injuries, and $25,000 in property damage coverage per accident.

Now, your first reaction may be to choose the lowest quote you can find that offers the minimum coverage required, but just because it’s the cheapest doesn’t mean it’s the best for you.

If you do take minimum coverage, and something major happens to your vehicle (theft, major accident, or damage resulting from a tornado), you’ll likely end up paying much more out of pocket than if you had chosen a somewhat more costly premium in the first place. It’s always a good idea to consider buying a mix of insurance types such as full coverage and collision.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Macon by Insurer

Many people live on a budget and vehicle insurance can cost a lot of money every month. You may even be thinking of switching to a lower annual premium when your current policy period ends. However, it’s best to review the long-term costs as well as the immediate ones. While you may pay less in the short term with minimum coverage, if something happens you’re liable to pay more later. Additionally, you should always consider whether or not the company has a good reputation for excellent customer service and paying out claims in a timely manner.

Compare all car insurance company rates near you here.

Low Cost Auto Insurance for Bad Credit in Macon

Bad credit scores or not, you have to have insurance on your car. It’s the law in Georgia. However, if you look around and request multiple quotes, you’re likely to find insurance rates that you can afford, without giving up quality customer service and a reasonable deductible.

Our bad credit guide can help you find low cost auto insurance rates close by.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability Only Insurance Coverage?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

Why You May Want Full Coverage Car Insurance

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

Difference Between the Two Types of Coverage

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Georgia by City

Additional cities in Georgia you can check out.


Helpful Advice to Get Lower Car Insurance Rates

Find additional ways to save on your Macon car insurance premiums with these insurance discounts:

Of course, the best way to keep your auto insurance rates down is to drive safely and avoid accidents. The better your driving record, the lower your rates. However, there are also other ways to lower your rates.

Shop Around for the Best Price

Prices can vary significantly between insurance agencies so you will need to get a quote from each one. To prevent having to go to each site and put all your information in dozens of times, there are some sites where you can compare the rates of several agencies at once that you should take advantage of.

Bundle with other insurance plans

Most insurance agencies offer you a chance to bundle and get many of your insurance needs from one place; such as renters’ insurance, homeowners’ insurance, auto insurance, and more. You can also save when insuring more than one vehicle.

Reduce the Number of Miles you drive

Reducing the number of miles you drive will reduce your risk for accidents and therefore, your insurance rates. Besides that, it could do your body and your health good to walk sometimes.

Check the Insurance Costs for a Car Before Buying it

Before you buy a car, it is important that you check insurance costs first, as some car types can raise your insurance rates much more than others. Some of the things your premiums may be based on include the cars overall safety record, costs of parts and repairs, the price of the car, and theft likelihood.

Increase your Deductibles

The higher the price of the deductibles the less your rates will be. For example, if you were to increase your deductible from $200 to $500 it would reduce your comprehensive coverage and collision rates by 15-30%.

Watch your Credit Score

Did you know that many people check their credit report only to find several mistakes that can be fixed? Check your credit report often, because the higher your credit score the lower your insurance rates will be.

Learn more about car insurance discounts with this guide.

Reasons that Affect Your Automobile Insurance Rates in Macon, GA

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

Do you have a bad driving record and need cheap insurance? Check out this guide.

Helpful Macon, Georgia Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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